We offer a wide range of secured and unsecured personal loans. Secured loans include motorcycles, ATVs, Boats, Jet Skis, Recreational Vehicles, Trailers, Farm Equipment, Share + Certificate Secured, and more. Loan amounts and terms vary depending on product.* We also offer unsecured personal loans with a maximum loan amount of $50,000*. In addition, we offer:
- Competitive rates
- Payroll deduction or automatic transfer
- Optional Credit Life and Disability Insurance are available (underwritten by CMFG Life Insurance Company)
Marine Loans
Get off dry land and hit the open water in style with a boat or jet-ski loan.
RV Loans
Stop dreaming and start camping in comfort! Begin seeing destinations on your bucket list with our recreational vehicle (RV) loans.
Motorcycle/ATV Loans
Not much can compete with the feeling of the wind in your hair and the freedom of new adventures. Get one step closer with our motorcycle/ATV loans.
Farm Equipment & Other Collateral
It takes more than good weather and a love for the land to farm. Get the equipment financing you need to get the job done.
Personal Loan
Whether its college tuition, medical expenses, or anything in between, we can finance life's expenses with a personal loan.
Express Loans
When financial emergencies arise, you need funds fast! Come in or apply online for a quick and easy $1,500 Express Loan.
Line of Credit
Having a revolving line of credit can provide you peace of mind and flexibility when you need it most.
Share Loans
Put your money to work for you and build credit while protecting your savings with share loans.
Loan Rates
Personal Loans
Effective April 24, 2024 - Rates as low as:
| Personal | 60 Months | 12.00% |
| Flexible Line of Credit (Variable)* | N/A | 11.75% - 17.25% |
If you’ve had direct deposit in your Rave Financial account for 6 months and you’ve been a member for one year, you’re already approved!
- Borrow $1,500 with no credit check.
- Funds are usually deposited within 24 hours.
- Payments are made by automatic share transfer.
- Apply online, by phone, or at any experience center.
*Repayment term of 12 months. Annual Percentage Rate (APR) is 17.70%. A $40 application fee will apply. Only one Express Loan per membership at a time. Loans may not be refinanced prior to 6 months from loan origination date, and balance must be $500.00 or less. Must complete a CSA prior to funding. Offer may expire without prior notice. Some restrictions apply.
Share Loans
Rates in effect as of April 24, 2024
| Monthly Payments | 60 Months | 2% Over Share |
| Single Payments | 6 Months | 2% Over Share |
| Rave Financial Certificate Loan | Same as Certificate | 2% Over CD |
Marine Loans
Effective April 24, 2024 - Rates as low as:
| New & Used | 24 Months | 6.00% |
| New & Used | 36 Months | 6.00% |
| New & Used | 48 Months | 6.00% |
| New & Used | 60 Months | 6.75% |
| New & Used | 66 Months | 7.00% |
| New & Used | 72 Months | 7.25% |
| New & Used | 78 Months | 7.50% |
| New & Used | 84 Months | 7.50% |
| New & Used | 120 Months | 7.75% |
| New & Used | 144 Months | 8.00% |
| New & Used | 180 Months | 8.25% |
Recreational Loans
Effective April 24, 2024 - Rates as low as:
| New & Used | 24 Months | 6.00% |
| New & Used | 36 Months | 6.00% |
| New & Used | 48 Months | 6.00% |
| New & Used | 60 Months | 6.75% |
| New & Used | 66 Months | 7.00% |
| New & Used | 72 Months | 7.25% |
| New & Used | 78 Months | 7.50% |
| New & Used | 84 Months | 7.50% |
| New & Used | 120 Months | 7.75% |
| New & Used | 144 Months | 8.00% |
| New & Used | 180 Months | 8.25% |
Motorcycles/ATV
Effective April 24, 2024 - Rates as low as:
| New & Used | 24 Months | 8.00% |
| New & Used | 36 Months | 8.00% |
| New & Used | 48 Months | 8.00% |
| New & Used | 60 Months | 8.75% |
| New & Used | 66 Months | 9.00% |
| New & Used | 72 Months | 9.25% |
Farm Equipment and Other Collateral
Effective April 24, 2024 - Rates as low as:
| New & Used | 24 Months | 8.50% |
| New & Used | 36 Months | 8.50% |
| New & Used | 48 Months | 8.50% |
| New & Used | 60 Months | 9.00% |
| New & Used | 66 Months | 9.50% |
| New & Used | 72 Months | 10.00% |
If you have recently financed a Boat, Jet-ski, RV, Motorcycle, ATV/Side-by-Side, Farm Equipment or other collateral that requires insurance, please click here to verify.
How a Personal Loan Can Help You in a Financial Crunch
How a Personal Loan can Help you During a Financial Crunch
Use5 Benefits of Consolidating Credit Card Debt to a Personal Loan
APR is Annual Percentage Rate. Rates disclosed may be different based on credit underwriting and/or services used. These rates reflect our best rates. All loan rates are subject to change without prior notice. Rates are updated every morning at 9:00 AM. Flexible Lines of Credit are variable rate products. Loan terms are dependent on amount financed and member/collateral.
Spend. Save. Thrive.
5.9% APR on all balance transfers for the life of the balance!
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