The Essential Credit Union is a auto loan from Essential Credit Union. The ongoing APR is As low as: new boat 6.99% (36 months) to 8.99% (120); used boat 7.24% to 9.49%; new RVs, travel trailers and campers 7.74% to 10.49%; used RVs 7.99% to 10.74%; new motorcycles, ATVs and tractors 7.49% (36) to 8.74% (84); used 8.49% (36) to 9.49% (72) (rates effective 10-15-2026). Loan terms: RV and Boat Loan terms up to 120 months; Motorcycle Loan terms up to 84 months.