Whether you’re looking for new or used, we help our members achieve their summer fun with a Recreational Loan, often at the area’s best interest rates. To make the process even easier, we’ve partnered with local dealerships who sell these “toys” so that buyers can apply for Mid-Minnesota's Recreational Loans on the spot at the dealership. If you aren’t yet a member of Mid-Minnesota Federal Credit Union, you can even become a member at the dealership or online before you head over to shop. See our list of participating dealer partnerships.
Still need to think about it? Consider these steps when making the decision about purchasing a new recreational vehicle.
1. Do Your ResearchA little online research will give you a good base of information. Find out about the various types and price points of the item you want. There are several classes of RV’s, several types of ATV’s, and manypersonal watercrafts to choose from. Read reviews, research manufacturers, compare features, and have some understanding of what you’re really hoping to get in your new purchase.
2. Ask AroundChances are, you have your heart set on this purchase because you’ve tried someone else’s. Ask those friends and neighbors what they like or dislike about their models, and maybe ask to take it for a spin!
Just like any large purchase, it is essential to have a predetermined budget. You can always contact Mid-Minnesota for financial and budgeting advice.
3. Establish a Budget
4. Don’t Rule Out Previously OwnedAll of these items can be purchased used—something to consider when thinking about price versus how often you will use it. Our dealer partners will guide you through the process and show you quality used options that might be lighter on the wallet. Due to the nature of recreational vehicles, you may find used ones that have only been used for a few seasons–and sparingly, at that.
There’s nothing like trying something out in person. Take your time, take a trusted friend with you, and compare features, prices, and models. You may even find that the end of the season offers additional choices as people try to sell their RV’s, boats, and other vehicles.
5. Compare in Person
We look forward to helping you finance your summer fun, and know that our knowledgeable staff and dealer partners will make it easier for you to get on the lake or on the road!