Ready to explore the scenic beauty of Central New York and beyond? SECNY FCU makes RV ownership accessible with competitive RV loan rates and personalized service. Whether you're planning weekend getaways to the Adirondacks or cross-country journeys, our member-focused approach ensures you get the RV financing that fits your budget and lifestyle.
Ready to hit the road? Contact us today to discuss your RV loan options...
Your Trusted, Local Partner for RV Loans near Syracuse, NY
SECNY FCU loan officers understand the Central New York community, and make RV loan decisions right here in Syracuse. When you need answers for your RV loan questions, or want to explore different financing options, our knowledgeable team is happy to help.
As your local choice for RV loans near Syracuse, NY, SECNY FCU provides:
- Competitive RV Loan Rates
- Flexible Payment Terms
- New and Used RV Financing
- No hidden fees
- Personal Service
Our commitment to the Syracuse community means better rates, clear terms, and the guidance you need to make confident RV purchasing decisions.
Why Choose SECNY FCU for Your RV Loan?
SECNY FCU helps Central New York families experience the freedom of RV travel with financing that makes sense.
As a SECNY FCU member, you're an owner, not just a customer. This means better RV loan rates and terms designed to benefit you, not stockholders.
Become a Member
Living in Syracuse, Onondaga County, Cayuga County, Oswego County, or Madison County? You're eligible to apply for SECNY FCU membership and take advantage of our competitive RV loan rates, even if you're not currently a member.
RV Loan Calculator and RV Loan Rates
Calculate Your RV Payment. Use our RV loan payment calculator to estimate monthly costs before you shop. Understanding your budget helps you focus on RVs within your price range and negotiate with confidence.
Current RV Loan Rates (June 2025):
New RV Financing:
- Loan amounts up to $100,000
- Terms from 5-15 years available
- APR starting at 7.00%* for qualified members
- Finance up to 100% of purchase price
Used RV Financing:
- Model years 2019-2023: Up to 100% book value financing (maximum $75,000), rates starting at 7.50% APR*
- Model years 2016-2018: Up to 80% of book value financing, rates starting at 7.50% APR*
- Competitive rates based on RV age and condition
*Rates shown for qualified members. Your actual rate may vary based on creditworthiness and loan terms.
Types of RVs We Finance
Motorhomes and Self-Contained Units:
- Class A Motorhomes (luxury coaches and mid-range models)
- Class B Motorhomes (van conversions and compact units)
- Class C Motorhomes (cab-over designs)
Towable RVs:
- Travel Trailers (lightweight to full-size)
- Fifth Wheel Trailers (luxury and standard models)
- Camper loans for Pop-up Campers and Expandable Trailers
- Toy Hauler Trailers (with garage space)
- Camper loans for Truck Campers (slide-in models)
Specialty and Custom RVs:
- Converted buses and unique builds
- Vintage and classic RVs
- Off-grid capable units with solar and battery systems
Here for Life
Beyond RV loans near Syracuse, NY, SECNY FCU supports all your financial needs:
- Free checking and savings accounts to get started
- RV insurance connections through trusted partners
- Automatic loan payment setup for convenience
- Mobile banking tools to manage your loan on the go
- Financial planning services to balance RV ownership with other goals
- Additional recreational vehicle financing, including boat loans, ATV loans and more
Frequently Asked Questions About RV Loans
How long are RV loans? RV loan terms typically range from 5 to 20 years, depending on the RV's age, purchase price, and your financial situation. Newer, more expensive RVs often qualify for longer terms, while older models may have shorter maximum terms.
How to get an RV loan? Getting an RV loan involves several steps:
- Check your credit score,
- Determine your budget using an RV loan payment calculator,
- Get pre-approved with SECNY FCU,
- Shop for your RV,
- Complete the financing process
Pre-approval helps you understand your budget and negotiate confidently.
What credit score do I need for an RV loan? While requirements vary, most RV loans require a credit score of 600 or higher. However, SECNY FCU considers your complete financial picture, not just your credit score, when making lending decisions.
- Can I refinance my existing RV loan? Yes! SECNY FCU offers RV loan refinancing that can potentially lower your monthly payments or reduce your interest rate. Contact our loan team to discuss refinancing options and see if you qualify for savings.
- What's the difference between RV loans and auto loans? RV loans typically offer longer terms than auto loans due to higher purchase prices. RV loans may also have slightly different interest rates and qualification requirements compared to standard auto loans.
- Do I need a down payment for an RV loan? Down payment requirements vary based on the RV's age and price. While some RV loans offer 100% financing, a down payment can help secure better rates and lower monthly payments.
- Are there special rates for SECNY FCU members? Yes! SECNY FCU members enjoy competitive RV loan rates and may qualify for additional discounts when bundling with other services like checking accounts with direct deposit and automatic payments.
Current SECNY FCU Member?
Apply Now and Hit the Road! Ready to start your RV adventure? Our streamlined application process makes pre-approval quick.
New to SECNY FCU?
Membership is easy - if you live, work, or attend school in Central New York, you're eligible to join and take advantage of our competitive RV loan rates.
Why Pay More? Save with RV Loan Refinancing
Already have an RV loan with another lender? You may be able to lower your payments by refinancing with SECNY FCU.
When you refinance your RV loan with SECNY, save 2.25% OFF your existing rate.*
Must qualify for loan refinance by June 30th, 2025. Rate may vary based on model year and Loan-to-Value. Minimum loan amount is $5,000. Rate floor is 4.00% APR. Must be new-to-SECNY loan to qualify for 2.25% discount. This offer does not apply to existing SECNY loans, mortgage loans, holiday loans, credit cards, overdraft line of credit, and home equity loans/lines of credit. Membership eligibility required. Certain credit conditions apply. Subject to change without notice. See SECNY for details.
Ready to Explore? Call Us at (315) 469-5599
The Trusted Choice for RV Loans near Syracuse, NY
With convenient branch locations throughout Central New York, SECNY FCU has been helping neighbors finance their dream RVs for over 50 years. Our local presence means personalized service, quick decisions, and the support you need throughout your RV ownership journey.
Contact SECNY FCU today to discuss your RV loan options and start planning your next adventure.
