Loan Promo

Rates as low as 4.23% APR⁴⁵ for Consumer Auto Loans. Rates as low as 5.23% for Consumer Recreational Loans for a limited time only.

Apply Online

Rates as low as 4.23% APR for Consumer Auto Loans⁴⁵ for a limited time.

Begin Your Application Online

This consumer loan offer for title-secured vehicles, boats and recreational vehicles is available for a limited time only. Annual Percentage Rate (APR) as low as 4.23% APR applies to consumer auto loans only. Consumer boats and other recreational vehicles subject to Annual Percentage Rates as low as 5.23% APR. APR includes a 3% discount for automatic debit of monthly payment from an RCB Bank checking or savings account. Rate could increase if automatic debit is canceled at any time during the term of the loan. Discounted rate is for 2021-2026 models. Loan fees apply. Loan payment and APR will vary based on loan amount, term and any fees. With approved credit, including a minimum credit score of 675. Generally not available for refinance of existing RCB Bank loan. Other terms, restrictions and exclusions may apply. RCB Bank reserves the right to change and/or discontinue the promotion at any time without notice.

To qualify for the promotional loan rate, an automatic debit of monthly payment from an RCB Bank checking or savings account is required.

You can begin your application by clicking below and selecting the loan type from the drop down menu.

Frequently Asked Questions

Click any Apply Online button on this page.
You can also visit rcbbank.bank and click Apply Now under Loan Promo.

Our Loan Officers are working online requests as quickly as possible and will contact you during normal business hours and typically within one hour upon receipt of your completed application. Due to the high volume of applications, it may take longer.

Please feel free to send an email with your contact information and issue to our online help desk at [email protected] and a representative will contact you as quickly as possible during normal business hours.

If you submitted a joint application, please make sure that your joint applicant has completed their section as well. The joint applicant will receive an email as soon as the primary borrower has completed their part and clicked Finish. RCB Bank will receive the completed application once BOTH parties complete their sections and click Finish.
A Loan Officer will send you an email typically within one hour upon receipt of your completed application so you will have their contact information to request an update if needed.
If you have not heard from a Loan Officer within 24 hours, please feel free to email [email protected] to request an update.

It may be helpful to turn your phone sideways and zoom in by pinching your fingers apart on the screen. It may also be easier to view on a tablet or PC. Please feel free to visit one of our branches if you are not able to complete the online application.

No loans with multiple pieces of collateral. (Exceptions are loans with matching, same year, identical watercraft, for example Jet Skis.)
No utility trailers or horse trailers.
No individual boat motors or go-karts.
No salvage, rebuild/prior salvage or Lemon Law/Dealer Buyback Titles.
No loans to a business entity and/or pledged collateral owned by them.
No single pay loans.
No electric vehicles under the loan promotion.

Looking for a boat or recreational vehicle? Rates as low as 5.23% APR for Consumer Recreational Loans.⁴⁵

Ask about Payment Protection

Payment Protection covers you in case of accident, injury, illness or death.

Credit Life

Pays off your loan if you die.

Credit dsability icon - a shield with a family icon

Credit Disability

Makes payments on your loan if you become ill or injured and cannot work.

Guaranteed Asset Protection icon - shield with car facing front icon

Guaranteed Asset Protection (GAP)

Pays off remaining loan balance after insurance settles if you’re in an accident.

Credit Life, Credit Disability, and GAP Insurance are optional products and are not required for loan approval. Product costs vary based on loan terms. Qualifications and restrictions apply. For specific questions regarding your personal lending needs, please call us at 855-BANK-RCB. Equal Housing Lender NMLS #798151.