Navigating Interest Rates & The Power of a Soft Pull

At RecLending, we field dozens of inquiries every day from proactive buyers. Whether you are just starting your search or are ready to buy, you likely want to know exactly what it takes to secure your dream boat or RV.

To give our clients the clearest picture of their buying power without any risk, we almost always recommend a Soft Pull Evaluation.

Why Start with a Soft Pull?

No Credit Impact- Unlike a hard inquiry, a soft pull does not affect your credit score.
Expert Consultation: We review your application and credit profile with you to help "flesh out" your budget based on the specific unit you’re eyeing.
Zero Commitment: You aren’t locked into a loan, and there is no obligation to move forward until you choose to.
Completely Free: This is a complimentary service we provide to help you plan your next major purchase with confidence

Market Update: Featured Rates

A soft pull is the most effective way to gauge your financial standing before making a commitment. Here is how the process works and why it benefits you:

Market rates for recreational loans remain competitive in 2026, with qualified borrowers often securing rates in the mid-6% range for longer terms. At RecLending, we're proud to offer a promotional 5.99% APR on terms of 180 to 240 months (subject to credit approval, loan amount, and other factors). This makes owning a Class A motorhome, travel trailer, pontoon boat, or bass boat more accessible than ever.