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Vehicle Loans

Shoreline Hometown Credit Union can help you finance the fun toys of summer! Enjoy the warm weather with a sweet boat, camper or ATV. We have competitive rates and flexible terms to help keep your payments affordable. Become a member and apply for a loan here. You can also call or visit our convenient locations in Two Rivers or Manitowoc. Loans are subject to credit approval.



We offer up to 100% financing on any vehicle built from 1908-2019! That's a fact. Up to 100% financing. Maximum term up to 84 months too. With very competitive rates to keep your payment affordable.* Here's what the competition typically offers.

*Subject to credit approval and credit rating. Additional relationship discounts may apply. Membership eligibility is required. ** As an example, 84 monthly payments of $13.78 per $1,000 borrowed based on 4.24% Annual Percentage Rate (APR).



We can help you purchase a new or used car or other vehicle such as a recreational vehicle, motorcycle or boat. You may request a loan period of up to six years based on the amount you borrow and normal standards. 


Learn more about GAP (Guaranteed Asset Protection) and MRC (Mechanical Repair Coverage).

Click on the links below to find out more. Protection yourself from unforeseen expenses in case of an accident or major car repairs.

GAP Protection



Mechanical repair Coverage


Hometown Loan Rebate Program.

Earn cash back to your loan! 

Personalized hometown service is a major benefit of banking at Shoreline Credit Union. Earn 0.25% cash back to your mortgage or consumer loan by completing these steps.

Here is how you qualify*:

  • Direct Deposits totaling $500 per month**
  • Register for Online Banking and eStatements
  • Having either a Hometown Credit Card or Platinum Credit Card on your account. 
 *Consumer and mortgage loans or lines of credit opened after 9/30/2018 are eligible for the program. If you meet the monthly qualifying requirements, 0.25% of your average daily balance over the preceding month will be posted to your loan. All requirements must be completed under the same member number. Credit cards are excluded from receiving a cash back rebate. Loans and credit cards are subject to credit and collateral approval. **Direct Deposits will include credits that are directly deposited into your Shoreline Credit Union account and may include payroll and other ACH entries.

Membership requirements apply. Equal Housing Opportunity. Federally insured by NCUA.


Looking to buy a new or used car? Shop smart. You may want to check out the car and truck models with the best fuel economy. Click on the button below and download a fuel economy guide courtesy of the U.S. Department of Energy

Fuel Economy Guides



Shoreline lending experts who can assist you with your loan requirements:

Bank from home! For first available Hometown Lender, email us Here


Karen Bauknecht 


NMLS ID 460820

[email protected]

3131 Mishicot Rd.

Two Rivers, WI 54241

Tomas Salinas


NMLS ID 1709773

[email protected]

4400 Calumet Ave.

Manitowoc, WI 54220

Loan Rates

New or Used, Titled Vehicle Loan Rates

Vehicles, Boats, RVs, On-Road Motorcycles


Term APR Rate  Monthly Payment**
(up to) (as low as)*  
24 mo. 3.24%  $43.09
36 mo. 3.24%  $29.19
48 mo. 3.24%  $22.24
60 mo. 3.49%  $18.19
72 mo. 3.99%  $15.65
84 mo. 4.49%  $13.90

*100% Loan-To-Value. Relationship discounts apply. 

**Monthly payment is based on payment per $1,000 borrowed for rate and term. Rates effective as of 1/1/2019. All rates subject to change.

New or Used, Recreation Loan Rates

ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft

Term APR Rate Monthly Payment**
(up to) (as low as)*  
24 mo. 7.24%  $44.88
36 mo. 7.24%  $30.99
48 mo. 7.24%  $24.06
60 mo. 7.49%  $20.03
72 mo. 8.24%  $17.65

*100% Loan-To-Value. Relationship discounts apply.

**Monthly payment is based on payment per $1,000 borrowed for rate and term. Rates effective as of 3/1/2019. All rates subject to change.

New or Used, Non-Titled Vehicle Loan Rates

Boats and RVs over $40,000

Term  APR Rate Monthly Payment** 
(up to) (as low as)*    
120 mo. 7.74%  $12.00  


*100% Loan-To-Value. Relationship discounts apply.

**Monthly payment is based on payment per $1,000 borrowed for rate and term. Rates effective as of 1/1/2019. All rates subject to change.


Now leaving Shoreline Credit Union

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