Recreational Loans

Whether for work or play, on-road, off-road or a little bit of both, we can get you moving.  That is why we offer the same great rates and terms for your new, used or refinanced (no fees!) ATV, Dirtbikes, Wintercraft, Watercraft, RV, Trailer or Tractor.

If you are looking for a Motorcycle Loan Click here.

Making a purchase?  Call us first and get pre-approved for a better shopping experience.

Looking to Refinance? Call us and we will let you know how much you can save!

Recreational Rates

Same Rate for new or used: ATVs, UTVs, dirtbikes, wintercraft, watercraft, RVs, trailers, tractors
TermsRate / APR
Up to 24 Months4.24% / 4.24%
25-36 Months6.49% / 6.49%
37-54 Months6.74% / 6.74%
55-66 Months6.99% / 6.99%
67-78 Months7.24% / 7.24%
79-180 Months7.49% / 7.49%

Loan Calculator

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Text or Call Us – we take applications by phone during branch hours (716) 632-9328.



Isn’t it worth a few minutes to find out if we can save you money?  And if we can’t, we’ll let you know.  We always want to ensure our members have the best deal…even if they already have it.  But in most cases, we often find people were given a higher rate than they deserved at another financial institution or dealership. Let us help!

Why should I consider refinancing?

  • Is your current loan rate (from another dealer or financial institution) higher than ours?
  • Have you improved your credit score from when you made your original purchase?
  • Do you want to extend your loan term and/or lower your monthly payment?
  • Would you like to remove a joint applicant/co-signer that is on your loan?
  • Did you know you can “cash out” on the equity in your vehicle?
  • Help! One minute I was just looking, the next I had signed paperwork.

Have you experienced these situations?

  • The dealer told you that you couldn’t refinance your loan.
  • The dealer fit you into a payment you wanted.
  • You don’t really know what your term or rate is (no need to find a statement, we can tell you).
  • Rates may have changed since you made your purchase.
  • You thought it would be a huge hassle or would result in fees so you haven’t done anything.

We offer the same great rates (above) and no refinance fees!

Apply Now


Text or Call Us – we take applications by phone during branch hours (716) 632-9328.


Complete this form…




Once you find what you want or are ready to refinance, simply provide us with the following:

  • Purchase Order or Bill of Sale (Dealer will provide you or have them send to us)
  • Insurance Binder (Agent can send to us or provide us their information to contact)
  • Copy of Title (Private Sale or Refinance only)
  • Payoff Information: 10-day payoff, name, address and account # (Refinance only)

Text to (716) 632-9328 or Fax to (716) 632-1383 or email to


So Easy – We offer a delivery system to streamline your loan process. We can send the loan documents to you via email to sign electronically and return so you don’t even have to come into the branch.  It is so simple, once completed we can put the proceeds directly into your Western Division savings or checking account , mail a check or wire the funds for you.