Merrick Bank
Recreation Lending

Merrick Bank is a national leader in providing boat, RV and horse trailer loans to people with a wide variety of credit histories, focusing on those with less-than-perfect credit. We work with thousands of approved dealers across the continental U.S.



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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 a boat, RV or horse trailer, 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.



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Boat Loans

We finance both new and used "traditional boats" that have an original manufacturer invoice or are listed in the N.A.D.A. Guide.  We do not finance Personal Watercraft, Sail Boats, House Boats, High Performance Boats, or Yachts.

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RV Loans

We finance both new and used tow-able RVs and motor homes that have an original manufacturer invoice or are listed in the N.A.D.A. Guide. We finance for recreational use only, and do not finance RVs intended for residential or commercial purposes.

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Horse Trailer Loans

We finance new and used horse trailers that include a copy of the original manufacturer invoice, or are listed in the N.A.D.A. Guide or in the Horse Trailer Blue-Book.

What Our Customers Are Saying

Discover Boating
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RVDA - The National RV Dealers Association log

Frequently Asked Questions

What is the Customer Service number to Merrick Bank's RV, Boat, & Horse Trailer 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 RV, Boat, & Horse Trailer 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)

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?

Payoff payments should be mailed to: 

Merrick Bank
10705 South Jordan Gateway, Suite 200
South Jordan, UT 84095

Payoff payments 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 RV, Boat, & Horse Trailer loan?

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