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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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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

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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.

  • 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.

  • What Information Do I Need to Apply for an Auto Loan?

    The information and documents you’ll need depend on whether you’ve already selected a vehicle and whether you’re purchasing from a dealership or a private seller.

    What if I haven’t chosen a vehicle yet?

    That’s okay. SFCU can often provide a pre-approval based on your application, giving you the flexibility to shop for your vehicle. Vehicle information will be required before your auto loan can be finalized.

    What if I’m buying a vehicle from a dealership?

    If you’ve already selected a vehicle and are purchasing from a dealership, you’ll need to provide a signed purchase agreement.

    When you apply, you’ll also be asked for details about the vehicle, including:

    • Year
    • Make and model
    • Mileage
    • Purchase price

    What if I’m buying a vehicle from a private seller?

    If you’re purchasing a vehicle from a private seller, you’ll need to provide:

    • A copy of the front and back of the vehicle title
    • A lien release, if applicable
    • A purchase agreement that includes:
      • Date of purchase
      • Buyer’s name
      • Seller’s name
      • Vehicle year, make, and model
      • Vehicle Identification Number (VIN)
      • Purchase price
      • Signatures of both the buyer and seller

    What if there is still a lien on the vehicle?

    If the vehicle still has an outstanding lien, you’ll need to provide the current lienholder’s information, including a 10-day payoff amount.

    What if I’m buying out my leased vehicle?

    If you’re purchasing your vehicle at the end of a lease, SFCU will need a signed purchase contract from the leasing company before the auto loan can be finalized.

    What documents are needed before my auto loan can be finalized?

    Before finalizing your auto loan, SFCU will request:

    • Proof of insurance with SFCU listed as the lienholder
    • A copy of the warranty agreement, if you’re purchasing a warranty

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

    Having your vehicle information and required documents ready can help make the auto loan process faster and smoother.

     

  • 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.

  • 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.

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: October 13, 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: October 13, 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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Not a Member?

We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.

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Already a Member?

Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

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Check your application status

Let's Get Started!

Not a Member?

We’d love to welcome you to the SFCU family! Getting started is easy.  Just click the link below to begin opening your account.

Open an Account

Already a Member?

Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

Add a Product

 

Check your application status

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SFCU Closed for Indigenous People's Day Please be advised that all SFCU branches will closed on Monday, 10/12/2026. Our ATMs and chat services will be available.