Merrick Bank Outdoor Recreation Loans

We specialize in providing RV, boat, trailer and powersports loans to help you enjoy all kinds of outdoor activities.



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Dealer Information

We know that not all customers can obtain financing through prime banks. Partnering with Merrick Bank, an experienced and stable lending institution, will provide additional finance options to help you secure the sale for your non-prime customer.


Customer Information

If you're looking to purchase an RV, boat, trailer or powersport vehicle, regardless of past credit challenges, Merrick Bank is here for you. Access our Customer Portal to locate an approved dealer, calculate a payment and read interesting articles to prepare for your next adventure.




  RV Loans Boat Loans Trailer Loans Powersports Loans
Products Covered RVs & Motor Homes Traditional Boats Horse, Utility or Cargo Trailers ATVs, UTVs, PWCs or Snowmobiles
Coverage on New Purchases checkmark checkmark checkmark checkmark
Coverage on Used Purchases checkmark checkmark checkmark checkmark
Requires Original Manufacturer Invoice or Listing in NADA Guide checkmark checkmark checkmark checkmark
Financing for All Credit Backgrounds checkmark checkmark checkmark checkmark
Products Not Covered RVs for Residential or Commercial Purposes Sail Boats, House Boats, High-Performance Boats or Yachts Trailers for Commercial Use Motorcycles, Bikes or Golf Carts

What Our Customers Are Saying

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RVDA - The National RV Dealers Association log

Frequently Asked Questions

What is the Customer Service number to Merrick Bank's Outdoor Recreation Loan Department?

The toll free number is 1-888-545-5777. We are available Monday through Friday, from 8:00 a.m. to 5:00 p.m. MT.

I cannot access my online account

Give us a call at 1-888-545-5777 and we can assist you. We are available Monday through Friday, from 8:00 a.m. to 5:00 p.m. MT.

Can I make my loan payments in advance?

You can make payments ahead of schedule for up to 3 months in advance by calling Merrick Bank's customer service team at 1-888-545-5777. Excess payments are normally applied to the principal balance of your loan unless you request that they be applied to future payments not yet billed. Any outstanding fees on the account are paid before the account can be paid ahead.

Is there a grace period for my payment?

Payments are due on the established due date in your loan contract, but in most cases you will not be charged a late fee if you make your payment within 5 days following the due date. Please review your contract and contact us for details on your specific loan.

How do I get a payoff quote on my account?

For a 10-day payoff quote on your account, please call us at 1-888-545-5777.

How can I make a payment?

You can pay your Merrick Bank Outdoor Recreation loan payment in any of the following ways:

Online Payment

Login to pay online.


Merrick Recreation
Receiver Code 5244


Merrick Bank
P.O. Box 660880
Dallas, TX 75266-0880

Overnight Payment

Merrick Bank
Attn: Lockbox Operations #660880
2701 East Grauwyler Road, BLDG 1
Irving, TX 75061


($10 fee for phone payments)


Payoff through Regular Mail

Merrick Bank
PO Box 1500
Draper, UT 84020-1500

Payoff through Overnight/Express Mail

Merrick Bank
Attn: Rec Lending
10705 S. Jordan Gateway, Ste. 200
South Jordan, UT 84095

I am experiencing financial hardship. What are my options?

Merrick Bank wants to do what we can to make your loan and experience with us successful. Call us today at 1-888-545-5777 to speak with one of our specialists to discuss your individual circumstances.

Will my loan help me re-establish my credit?

Merrick Bank reports repayment history to the three major credit bureau reporting agencies. Your loan could help re-establish your credit if you consistently make your monthly payments on time.

Where do I mail my payoff?

Payoffs should be mailed to:

Regular Mail:

Merrick Bank
P.O. Box 1500
Draper, UT 84020-1500


Overnight/Express Mail:

Merrick Bank
Attn: Rec Lending
10705 S. Jordan Gateway, Ste. 200
South Jordan, UT 84095


Payoffs can also be wired to Merrick Bank. Please call 1-888-545-5777 for wire instructions.

Can I change my name on my account?

Yes, please provide a written request along with supporting legal documents (such as a marriage certificate or other court documents). Requests can be sent to any of the following: 

Will I receive an IRS 1098 Mortgage Interest Statement on my Merrick Bank Outdoor Recreation loan?

You will not receive an IRS 1098 Mortgage Interest Statement. Please refer to your monthly statement for information on interest paid.

When will I receive my Titles after a Payoff?

Titles may take up to 30 days to be mailed to you depending on the method of payoff. If your state participates in electronic titling, your title may take longer to get to you, as the state where the unit was titled is responsible for mailing the title to you after the electronic lien release by the bank. Please note there may be fees associated with printing duplicate or paper titles from any state.

Please call customer service at 1-888-545-5777 prior to payoff for better communication regarding when your title will be released and mailed to you.

Florida holds all titles electronically and will not send you your title automatically, but you can make arrangements at your local Florida Tax Collection agency after electronic release of lien to print a paper lien.