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Vehicle Loans

Clearwater has the affordable financing options you need to buy your first or next auto, boat, RV, motorcycle, or snowmobile or to refinance your existing one.

car traveling on a mountain road in summer.

New or Used Vehicle Loan

Whether you’re looking to buy your first or next set of wheels or refinance your existing ride, Clearwater offers the new or used vehicle loan you need to hit the road.

  • Up to 84-month financing
  • $100,000 maximum loan amount
  • Easy online loan payments
  • A new vehicle is 3 years or newer from the current year
  • A used vehicle is 4 years or older from the current year

Apply Now

Vehicle Loan Calculators

Vehicle Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 7.25% - 18.00% —— $100,000
48 Months 7.25% - 18.00% —— $100,000
60 Months 7.25% - 18.00% —— $100,000
72 Months 7.50% - 18.00% $15,000 $100,000
84 Months 8.00% - 12.00% $30,000 $100,000

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based upon creditworthiness, qualifications, and collateral conditions. Payment Example: $25,000 loan for 36 months will have a monthly payment range of $775 to $904.

New or Used Electric Vehicle Loan

Power eco-friendly commutes and adventures with our electric vehicle loan. This loan offers you flexible terms and a discount rate 1.00% APR lower than our standard vehicle loan.

  • Up to 84-month financing
  • $100,000 maximum loan amount
  • Easy online loan payments
  • A new vehicle is 3 years or newer from the current year
  • A used vehicle is 4 years or older from the current year

Apply Now

Vehicle Loan Calculators

Electric Vehicle Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 6.25% - 17.00% —— $100,000
48 Months 6.25% - 17.00% —— $100,000
60 Months 6.25% - 17.00% —— $100,000
72 Months 6.50% - 17.00% $15,000 $100,000
84 Months 7.00% - 11.00% $30,000 $100,000

Valid for plug-in or plug-in hybrids. Loan may also be used to finance up to an additional $2,500 for home charging installation. All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based upon creditworthiness, qualifications, and collateral conditions. Payment Example: 25,000 loan for 36 months will have a monthly payment range of $764 to $892.

RV Loan

When it’s time for fun, fresh air, and family, Clearwater can help you finance the perfect RV to explore Big Sky Country.

  • Up to 180-month term
  • $100,000 maximum loan amount
  • Easy online loan payments
  • A new vehicle is 3 years or newer from the current year
  • A used vehicle is 4 years or older from the current year

Apply Now

Vehicle Loan Calculators

RV / Boat Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 8.75% - 18.00% —— $100,000
48 Months 8.75% - 18.00% —— $100,000
60 Months 8.75% - 18.00% —— $100,000
120 Months 8.75% - 16.50% $20,000 $100,000
180 Months 8.75% - 15.50% $35,000 $100,000

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based upon creditworthiness, qualifications, and collateral conditions. Payment Example: $25,000 loan for 36 months will have a monthly payment range of $793 to $904.

Motorsport/UCC Loan

When it's time to hit the water, open road, or snow, we've got the motorsport loan for you.

  • Up to 72-month term
  • $100,000 maximum loan amount for boats
  • $30,000 maximum loan amount for all other UCC
  • Easy online loan payments

Apply Now

Vehicle Loan Calculators

RV / Boat Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 8.75% - 18.00% —— $100,000
48 Months 8.75% - 18.00% —— $100,000
60 Months 8.75% - 18.00% —— $100,000
120 Months 8.75% - 16.50% $20,000 $100,000
180 Months 8.75% - 15.50% $35,000 $100,000

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based upon creditworthiness, qualifications, and collateral conditions. Payment Example: $25,000 loan for 36 months will have a monthly payment range of $793 to $904.

Bike Loan

Pedal-powered commutes are healthier for you, better for the environment, and more affordable than ever.

  • $3,500 maximum loan amount
  • Financing up to 18 months
  • Easy online payments

Apply Now

Vehicle Loan Calculators

Bike Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
18 Months 5.00% —— $3,500

All loans subject to approval. Bike loans subject to aggregate loan limits. Payment Example: $1,000 loan for 18 months will have a monthly payment of $58.

E-Bike Loan

An e-bike blends the benefits of bicycle riding with the extra oomph of a motor when needed, letting you explore farther and faster.

  • $15,000 maximum loan amount
  • Financing up to 72 months
  • Easy online payments

Apply Now

Vehicle Loan Calculators

E-Bike Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Max of 72 months 5.00% —— $15,000

All loans subject to approval. Bike loans subject to aggregate loan limits. Payment Example: $5,000 loan for 36 months will have a monthly payment of $150.

Vehicle FAQs

Will Clearwater place a lien on my vehicle?

For all vehicles except bikes or e-bikes, Clearwater will place a lien on the vehicle until the loan is paid in full.

Must I have vehicle insurance coverage if I have a Clearwater vehicle loan?

For all vehicles except bikes or e-bikes, you must carry comprehensive vehicle insurance on your vehicle until your loan is paid in full.

Does Clearwater offer vehicle insurance?

Clearwater does not directly offer vehicle insurance, but we’ve joined forces with TruStage Insurance to provide you with discounted rates on Auto, Home, Accidental Death & Dismemberment, and Life Insurance. Get a quote today from TruStage.

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