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Toys & Trailers

Get Out into the Great Outdoors
Image of a father and daughter sitting by a bonfire at a RV campsite

After spending hours researching your next recreation vehicle, we want to make sure financing one is quick and easy. You will save time and money whether you’re buying new or refinancing a boat, RV, trailer, ATV, or snowmobile loan with our simple application and timely decisions, so you can focus on the more important things in your life.

2021 - 2014

  • Rates as low as 3.79%APR1,3 up to 36 months
  • Rates as low as 4.54%APR1,3 up to 60 months
  • Rates as low as 5.29%APR1,3 up to 120 months for boat loans $25,000 and higher4
  • Take 0.25% off your loan with Auto Pay
  • Terms from 36-72 months for toy loans2
  • Quick and easy application process

2013 & Older

  • Rates as low as 4.29%APR1 up to 36 months
  • Rates as low as 4.79%APR1 up to 60 months

Apply Now   View Rates & Terms

Looking to buy a boat? Check out Boat World! Email Steve at or call 763-434-9655

1APR = Annual Percentage Rate. Rates and terms based on approved credit, FICO Score and loan type. Automatic payment enrollment applicable from any Carpenters or other financial institution checking account.

2For example, 72 monthly payments of $16.01 per $1,000 borrowed.

3All new and refinanced vehicles from 2014 and newer. Current Carpenters auto loans are not eligible for this rate.

4Boat Loans that are $25,000 or more must be 2014 or newer to qualify for terms up to 120 months.