We offer fixed rate loans up to $100,000 for a variety of boats and RVs, including campers, motor homes, and conversion vans. Boats over 27 feet, 11 inches may be documented with the US Coast Guard (filed as a First Ships Mortgage) or titled with the Department of Motor Vehicles.
Terms
Terms up to 12 years1 on new and up to 10 years1 on used. Financing up to 90%, including accessories, taxes, fees, and warranties2.
Pre-Approvals
Get pre-approved before you shop – it’s like having cash in hand. Plus, the 30–day approval lock gives you time to shop for the boat or RV that best fits your personality and lifestyle.
Do you currently have a Hudson Valley Credit Union Account?
Yes No
Please note: You may open accounts with Hudson Valley Credit Union if you live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester County. If you do not have an account with Hudson Valley Credit Union, you will be required to open a Primary savings account with $0.01 when your loan is funded. Our loan applications prompt you to open an account, as applicable to your situation.
Discounts for Auto Pay
Arrange to have your loan payment automatically deducted from your savings, checking, or tiered money market account and we’ll lower your interest rate by .25%3.
Looking to Refinance?
Refinancing your boat or RV loan from another institution could save you hundreds or even thousands of dollars over the life of your loan. Find out how.
Boat and RV Refinancing - Transfer Your Loans to HFCU and Save!
Refinancing a boat or RV loan from another lender can potentially save you hundreds of dollars in interest and lower your monthly payments. Depending on your interest rate, you can even save on vehicles financed 6, 12 or 18 months ago.
When you refinance, there is:
- No application fee
- No handling fee
You can submit a refinance application online, however, if you’d rather speak with someone about your refinancing options, call us at 845.463.3011 or stop into one of our branches. Our staff will review your current terms and let you know if we can give you a better deal.
Check Out Our Boat & RV Loan Rates
Dealer Network
Get financing directly at any of the dealers in our partner network. You can also start your application online or in a branch and then finalize at a dealer. Whichever you prefer, you’ll still receive the same low rates and flexible financing terms. Be sure to tell the dealer you want to finance your loan with HVCU, and we’ll send payment directly to them — and also coordinate your title and lien.
- Alpin Haus of Port Jervis
- Camping World of Kingston
- Camping World RV Sales
- National Powersports Distributors
Do you currently have a Hudson Valley Credit Union Account?
Please note: You may open accounts with Hudson Valley Credit Union if you live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester County. If you do not have an account with Hudson Valley Credit Union, you will be required to open a Primary savings account with $0.01 when your loan is funded. Our loan applications prompt you to open an account, as applicable to your situation.
Insure & Protect
- Credit Life & Credit Disability Insurance – Pays your loan balance if you become seriously injured, ill, or pass away.
- HVCU Insurance Services, powered by InsureOne® - Get a complimentary boat or RV insurance review.
What Your Neighbors Are Saying
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Image of Couple relaxing in front of RVHVCU Member7 YearsI feel that you are part of the community. A couple of years ago I decided to buy an RV on the spurt of the moment and your staff really went out of their way to allow us to make the purchase the same day. It was just awesome!
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Image of Woman sitting on boatHVCU Member19 YearsExcellent loan program, financial advice, interest rates and wonderful staff.
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Image of Man driving boatHVCU Member43 YearsBest loan rates I could find.
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Image of Man in kayakHVCU Member11 YearsEase of doing business, great customer service, great loan rates.
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Important Legal Disclosures & Information
All company names are the registered trademarks of their original owners.
1APR=Annual Percentage Rate. Rates for this product are as low as 7.25% subject to applicant credit and total amount financed. Rates are accurate as of 4/4/24, and are subject to change without notice. As an example, a 12-year, 7.25% fixed rate new boat or recreational vehicle loan for $12,000 would result in 144 monthly payments of $125.08.
2Borrow 90% of the purchase price for new boats and recreational vehicles and 90% of the book value for used boats and recreational vehicles. Accessories, taxes, fees, & warranties included in 90% financing for new boats and recreational vehicles.
3Rates that are discounted by .25% include a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.