At Kern Schools we know Kern County offers some of the best recreational opportunities in California. We also understand recreational vehicles can be an integral part of your lifestyle. Connect with your passions by hitting the open road on your motorcycle or loading up your motor home with your watercraft in tow.

Kern Schools is proud to offer competitively low-rate loans for new and used motorcycles, off-road ATVs, recreational vehicles, motorhomes, cargo trailers, and watercraft.

APPLY ONLINE

You can also apply for a Motorcycle or Recreational Vehicle Loan through our DataMobile app, DataNet online banking, by calling (661) 833-7900 or (800) 221-3311 (if outside of Bakersfield), or visiting one of our convenient branch locations.

Loan Types and Rates

Motorcycle / Off-Road ATV

Whether you are looking to get a street bike, scooter, dirt bike or ATV, Kern Schools can help make your adventurous dreams come true with an affordable motorcycle loan. We offer the following:

  • Loans for new and used vehicles
  • Competitive low fixed rates
  • Flexible terms
  • No prepayment penalty
  • Includes ATV’s, Dirt Bikes, Scooters, and Snowmobiles
  • Payment protection available

Recreational / Motor Home / Cargo Trailer

When you’re ready to explore all that Kern County has to offer, come see Kern Schools about a recreational vehicle loan. Our competitive rates make it easy to finance the things that enhance the adventure in your life. We offer the following:

  • Loans for new and used vehicles
  • Competitive low fixed rates
  • Flexible terms
  • No prepayment penalty
  • Payment protection available

Rates Effective As Of 06/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER RATES FOR TITLED VEHICLES Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
NEW: 36 mo.
48 mo.
60 mo.
72 mo.
N/A
N/A
$10,000
$20,000
1.99% – 14.49%
2.99% – 15.49%
2.99% – 15.49%
3.99% – 16.49%
$28.64 – $34.42
$22.13 – $28.08
$17.96 – $24.08
$15.64 – $21.96
USED: 36 mo.
48 mo.
60 mo.
72 mo.
N/A
N/A
$10,000
$20,000
2.49% – 14.99%
3.49% – 15.99%
3.49% – 15.99%
4.49% – 16.99%
$28.86 – $34.66
$22.35 – $28.34
$18.19 – $24.31
$15.87 – $22.24


Rates Effective As Of 06/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER RATES FOR TITLED VEHICLES Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
NEW: 36 mo.
48 mo.
84 mo.
96 mo.
120 mo.
144 mo.
180 mo.
N/A
N/A
$10,000
$20,000
$30,000
$50,000
$75,000
2.49% – 14.49%
3.49% – 15.49%
3.49% – 15.49%
4.49% – 16.49%
5.49% – 17.49%
6.49% – 17.49%
6.99% – 17.49%
$28.86 – $32.73
$22.35 – $28.08
$13.44 – $19.57
$12.42 – $18.82
$10.85 – $17.69
$10.01 – $16.65
$8.98 – $15.74
USED: 36 mo.
48 mo.
84 mo.
96 mo.
120 mo.
144 mo.
180 mo.
N/A
N/A
$10,000
$20,000
$30,000
$50,000
$75,000
2.99% – 14.99%
3.99% – 15.99%
3.99% – 15.99%
4.99% – 16.99%
5.99% – 17.99%
6.99% – 17.99%
7.49% – 17.99%
$29.08 – $34.66
$22.57 – $28.34
$13.66 – $19.86
$12.66 – $19.12
$11.10 – $18.01
$10.28 – $16.98
$9.26 – $16.10

*Recreational Vehicle/Motor Homes must contain living and sleeping facilities.
Collateral conditions apply.


Watercraft

What better way to enjoy the California summer sun than with your new watercraft financed at Kern Schools. Whether it’s skiing behind a new boat, jumping waves on your new jet ski or fishing for that largemouth bass, we’ll help you finance your next watercraft memory! We offer the following:

  • Loans for new and used vehicles
  • Competitive low fixed rates
  • Flexible terms
  • No prepayment penalty
  • Payment protection available

Rates current as of 06/01/2017. All rates, terms and conditions subject to change. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER RATES FOR TITLED VEHICLES Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment per $1000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
NEW: 36 mo.
48 mo.
60 mo.
72 mo.
84 mo.
96 mo.
120 mo.
N/A
N/A
$10,000
$10,000
$15,000
$30,000
$50,000
3.99% – 14.49%
4.99% – 15.49%
4.99% – 15.49%
5.99% – 16.49%
6.99% – 17.49%
7.49% – 17.49%
7.99% – 17.49%
$29.52 – $34.42
$23.02 – $28.08
$18.87 – $24.08
$16.57 – $21.96
$15.09 – $20.72
$13.88 – $19.42
$12.13 – $17.69
USED: 36 mo.
48 mo.
60 mo.
72 mo.
84 mo.
96 mo.
120 mo.
N/A
N/A
$10,000
$10,000
$15,000
$30,000
$50,000
4.49% – 14.99%
5.49% – 15.99%
5.49% – 15.99%
6.49% – 16.99%
7.49% – 17.99%
7.99% – 17.99%
8.49% – 17.99%
$29.74 – $34.66
$23.25 – $28.34
$19.10 – $24.31
$16.81 – $22.24
$15.33 – $21.01
$14.13 – $19.72
$12.39 – $18.01