We understand the uncertainty during this unprecedented time and want to let you know about some of the proactive measures our consumer loans department has in place to continue to support and serve our customers.
Explore everything that our great state has to offer, or just get down to Anchorage for a weekend with a new or used Recreational Vehicle or camper. And if you are ready for some serious fishing, hunting or fun on the water, it’s time for a boat and trailer. Create memories and experiences with a loan from Spirit of Alaska Federal Credit Union.
You can start your loan and close at a dealership if you prefer one-stop shopping!
Apply now for pre-approval from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans at 907-459-5970.
A loan to finance the purchase of a boat package, travel trailer, camper or RV.
- Interest rate as low as a fixed 4.75% APR* on approved credit
- Apply and close on your loan from a dealership
- Easy to apply online, from your phone or tablet or in branch for same day approvals
- Up to 96-month terms with flexible financing options
- Personal service and friendly loan officers
" I just got off the phone with C.A. I pre-approved him for a enclosed trailer loan. He commented that everyone at the credit union has just been wonderful to work with."- Consumer Loans Officer
*Lowest interest rate available, including promotional discount, is 4.75%. Annual Percentage Rate, on approved credit. Loan fees vary, and will be disclosed at the time of the loan verbally and in the contract. See the Rates tab on this page for complete rate and fee details.
Type of Loan Term APR*
Non-Luxury Motorhomes, Travel Trailers Pickup Campers, Combo Boats and Trailer Packages
Up to 96 months. Term based on value of collateral. Fixed Rate As Low As 4.75%
Refer to our Pricing Guide (PDF) for transaction and activity fees, as well as credit union membership fees. A loan processing fee of $35 will be charged per signer. Other loan fees and terms may vary, and will be disclosed at the time of the loan verbally and in the loan disclosures.
* APR = Annual Percentage Rate. Current as of 28 January 2021. Up to 100% financing available, some restrictions may apply. Interest rates and terms dependent on credit qualifications. Interest rates on new loans for Motorhomes, Travel Trailers, Pickup Camper Combos, Boats and Trailer packages are subject to change at any time. Loans under $2000 may have substantially higher APR. Optional Spirit of Alaska Protection and GAP Coverage available.
Contact the Loan Department at (907) 459-5970 for more detail.
**Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the on-line loan application.
Frequently Asked Questions
I already have an loan with Spirit of Alaska. How do I inquire about my insurance coverage?
For inquiries, or to change your insurance information, visit www.imcovered.com/spiritofak, or call 866-201-0921. You can also fax your policy to 866-895-2553.
What are the requirements for proof of insurance?
Make sure that Spirit of Alaska FCU is listed as the lienholder on your insurance policy statement, with an address of:
Spirit of Alaska FCU
P.O. Box 791647
San Antonio, TX 78279-1647
Deductibles for comprehensive and collision should not exceed $500. We do not accept insurance cards as proof of insurance.
How do you determine the value of a vehicle I want to purchase, for the purposes of the loan?
Spirit of Alaska FCU determines the loan value of a vehicle by Nada Guide estimates at nadaguides.com.
Would a boat trailer be a higher rate than a boat?
We recommend buying a boat and a trailer together for your best recreational vehicle rate on the loan. Purchasing a transportation trailer by itself is classified as a different type of loan with higher rates.
Can I skip a payment on a recreational vehicle loan?
Yes. If your credit is approved, you can get some financial breathing room and additional flexibility with this special offer. Just let us know which loan payment you would like to skip. Your loan must be up to date. Normal interest charges will continue to accrue, and your skipped payment will be added to the end of your loan term.
How can I find out my loan balance?
You can find all your loan information by accessing e-Teller.
Can I change the loan payment date?
Yes. Come in to one of our branches and our loan officers can help you with changing your payment date.
Can I get my loan payments deducted automatically from my checking or savings accounts each month?
Yes. Come in to any of our branches or download and fill out an Automatic Payment Authorization form.
How can I get more loan payment coupons?
Spirit of Alaska can issue loan coupons for a small fee of $5. Call 907-459-5970, come in and see us, or print a blank coupon.
- I already have an loan with Spirit of Alaska. How do I inquire about my insurance coverage?