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Recreational Vehicle Loans

Flexible financing to bring fun and recreation for years to come

Whether you're shopping for a new or used recreational vehicle, we offer loans with up to 100% financing and competitive rates. Contact us to finance your next ATV, UTV, jet ski, boat, snowmobile, or motorcycle.

Apply for a Recreational Vehicle Loan
Low rates

Low Rates

A recreational vehicle should make you happy, so don't let high interest rates get you down.

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Flexible Terms

Choose a monthly payment that works for your budget with flexible terms from 36 to 120 months on recreation loans.

Flexible terms

Automatic Loan Payments

Never miss a payment again! It's easy to pay your loan with payments that are automatically deducted from your account every month.

No Balance Requirements

Up to 100% Financing

Keep your wallet in your pocket. With a recreational vehicle loan from SFCU, you could qualify for up to 100% financing, so you don't even have to make a down payment.

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GAP Insurance

If your recreational vehicle is ever totaled or stolen, optional GAP insurance gives you peace of mind.

No Monthly Maintenance Fees

Direct Deposit Cash Rewards

Opt-in to receive a monthly cash back reward for each qualifying loan you have with SFCU.

Rates

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as low as APR*

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Competitive Rates

Save more money over the life of your loan

Turn that frown upside down. With a recreational vehicle loan from SFCU, you don't have to worry about paying high interest rates. We offer competitive rates that are generally lower than most banks. Keep your money in your account and enjoy more smiles per gallon in your new RV.

Apply for a Recreational Vehicle Loan
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Up to 100% Financing

Buy now with 100% financing

When you get a recreational vehicle loan from SFCU, you may not need to save up for a down payment. We offer up to 100% LTV* financing on recreational vehicles, so you can buy now. *LTV=Loan to Value

Apply for a Recreational Vehicle Loan
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No Down Payment

With up to 100% loan to value financing, your recreational vehicle loan can even cover the down payment, meaning you don't have to save up!

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Finance a Variety of RVs

With a recreational vehicle loan from SFCU, finance your version of fun! Whether it be a fifth wheel to camp with the family, a boat to cruise around the lake or riding your new UTV through the mud, a recreational vehicle loan with SFCU has you covered.

RV Frequently Asked Questions

  • Yes, SFCU offers auto loan pre-approvals to help you shop for a vehicle with confidence.

    Getting pre-approved allows you to understand how much you may be eligible to borrow before you start shopping for a car. A pre-approval can help you establish a budget, compare vehicles within your price range, and better understand your financing options before visiting a dealership or purchasing from a private seller.

    Having an auto loan pre-approval can also streamline the vehicle buying process by giving you a clearer picture of your monthly payment and financing terms in advance.

    To get started, apply for an auto loan with SFCU and we’ll review your application to determine your pre-approval eligibility.

  • SFCU strives to make the auto loan approval process as quick and convenient as possible. In many cases, applicants receive an instant credit decision after submitting their application.

    If additional information is needed to complete the review, a member of our lending team will contact you to discuss the next steps and request any required documentation.

    While approval times can vary depending on the application, our goal is to provide a decision as quickly as possible, with most applicants receiving a response the same day they apply.

  • Yes. SFCU considers applicants with a wide range of credit histories and evaluates each auto loan application individually.

    Having less-than-perfect credit does not automatically disqualify you from getting an auto loan. Our lending team reviews multiple factors when evaluating an application, including credit history, income, debt obligations, and overall ability to repay the loan.

    If you’re concerned about your credit, SFCU will work with you to explore available financing options and help identify solutions that fit your budget. We are committed to helping members find affordable lending options and create a manageable repayment plan whenever possible.

    Applying for an auto loan can also provide an opportunity to discuss ways to strengthen your financial position and improve your future borrowing options.

  • The amount you can borrow for an auto loan depends on factors such as the vehicle’s value and your credit score,

    Borrowers with a 740+ credit score can finance 125% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

    Borrowers with a 700-670 credit score can finance 120% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

    Borrowers with a 669 – 630 credit score can finance 100% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.  Proof of income will also be required.

    Borrowers with a no credit score can finance 100% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.  Proof of income will also be required.

    Borrowers with a 629 – 600 credit score can finance 90% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

    Borrowers with a credit score 599 and below can finance 80% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

  • If you’ve already selected a vehicle, you may be asked to provide details such as the year, make, model, mileage and purchase price. If you haven’t chosen a vehicle yet, SFCU can often provide a pre-approval based on your application, with vehicle information required before the loan can be finalized.

    Prior to finalizing the auto loan we will request a signed purchase agreement, proof of insurance with SFCU listed as lien holder and a copy of the warranty agreement (if you are purchasing one).

    Proof of income may be required depending on your application and financial circumstances.

     

  • We require a copy of your declaration page for the loan collateral (insurance binders expire after 30 days). Notices(s) will be sent if proper proof is not provided. You may ask your insurance provider to supply this if it is more convenient.

    How to Provide Your Insurance Policy Declaration Page:

    • Upload: https://www.myloaninsurance.com/sidneyfcu. Have the Reference # and PIN provided on the letter you received available.
    • Email: sidneyfcu@myloaninsurance.com (file type: PDF, PNG, TIF or JPG)
    • Fax: 877.419.8521
    • Mail: Sidney FCU, Insurance Tracking Center, PO Box 924281, Fort Worth, TX 76124

    Requirements: Continuous insurance with no lapses, Sidney FCU named as lien holder/loss payee, and both comprehensive and collision coverage (or physical damage) with deductibles not greater than $1,000. Note: An Insurance ID Card is NOT adequate evidence of the required physical damage insurance.

    If proof is not provided, we will buy insurance coverage on the collateral and charge the cost to you.

  • While a credit score of 600 or higher is generally preferred for an auto loan, SFCU evaluates every application individually and considers more than just your credit score.

    When reviewing an auto loan application, our lending team looks at a variety of factors, including your credit history, income, debt-to-income ratio, employment stability, and overall ability to repay the loan. As a result, having a credit score below 600 does not automatically disqualify you from financing.

    SFCU works with members across a range of credit situations and is committed to helping borrowers explore financing options that fit their needs and budget. If additional information is needed during the application process, our lending team will work with you to better understand your financial circumstances.

    Because loan approval is based on multiple factors, the best way to determine your eligibility is to submit an application. In many cases, applicants receive a decision quickly, and if additional information is needed, an SFCU representative will contact you.

Friendly staff greet you by name and are helpful with any question I've ever had.

— Jeff K

How it works

Apply online, by phone or at a convenient branch

  • 1

    Complete an application

    Visit us in the branch or fill out the online application.

  • 2

    Get response

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Buy your RV

    Use the funds to make your purchase and have some fun!

Apply for a Recreational Vehicle Loan

 

Have a question? Get in touch with us

You deserve to have some fun

Get competitive rates and 100% financing on your next recreational vehicle with a loan from SFCU to put more adventure into your life.

Apply for a Recreational Vehicle Loan

Recreational Vehicle Loan Rates

Rates effective as of: August 19, 2026



APR = Annual Percentage Rate

Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU.

Credit Union membership is required with a $5 minimum deposit.

The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.

Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for.

Rates are subject to change without notice.

Recreational Vehicle Loans (Boat, RV, Sportscraft)

Rates effective as of: August 19, 2026



APR = Annual Percentage Rate

Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU.

Credit Union membership is required with a $5 minimum deposit.

The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.

Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for.

Rates are subject to change without notice.

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