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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.


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.


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.


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.


GAP Insurance

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


Direct Deposit Cash Rewards

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


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as low as APR*

Estimate your monthly payment

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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.

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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!


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

  • We appreciate you financing your vehicle with SFCU. 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: Have the Reference # and PIN provided on the letter you received available.
    • Email: (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.

    Questions? Call 877.244.8212

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

  • We know your credit score’s importance to financial well-being, so we offer Credit Score, conveniently accessed within mobile banking. Credit Score is FREE to our members, and you can check and refresh your credit score and credit report daily without impacting your score. Do you want to improve your credit score to achieve those goals? Whether buying a house, a car, or anything requiring a loan or if you’re going to rent a new apartment or improve your overall creditworthiness, Credit Score can help you.

    With Credit Score, you can set a credit score goal, receive personalized recommendations, and track your progress toward your goal. You can edit your goal anytime, and you will receive messages when meeting milestones to encourage you along the way.

    And there is more! You can access the following features:

    • Personalized Credit Report
    • Real-Time Credit Monitoring Alerts
    • Credit Score Simulator
    • Credit Score Action Plan
    • Credit Score Education

    Are you ready to reach your financial goals? You got this! Enroll in Credit Score today. Ready, Set, Goal!

  • An essential part of your financial health is to keep an eye on your credit score. Credit scores have become such an integral part of our everyday lives. That’s why it’s extremely important that you keep track and understand how your financial decisions affect those three numbers. Our easy-to-use Score Simulator within Credit Score, available online and on the app. The Score Simulator can take the “what ifs” and generate an approximate credit score that will help you see where you stand. The simulator is an easy way to gain valuable insights into your future eligibility for loans and credit cards.

    How does the Credit Score Simulator work? The tool will share how much your credit score might increase or decrease based on your specific financial decisions.

    Financial decisions such as:

    • Applying for new credit
    • Getting a new loan
    • Managing your credit card balances
    • Managing your payment activity
    • Making payments on time
    Discover how different financial decisions can impact your credit score, and financial health while making reaching your goals easier than ever.

    Simulate Your Score. See Where You Stand. Now.

  • At SFCU, we know that choosing the right insurance is an important decision for your financial future. Through our partnership with TruStage, members have a variety of choices so that you can choose the plan that is right for you and your family. Our partners at TruStage offer our members options for life insurance, car insurance, homeowner’s insurance, renter’s insurance, and more.

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.