Skip navigation/go to main content
Sunrise Family Credit Union logo

New & Used Auto Loans

SFCU offers 100% financing and flexible terms up to 84 months to help keep your payments low.

Apply Online

Financial Calculators

Make confident financial decisions with our online calculators.

Explore Resources

Become a Member

Enrollment is quick and easy!
Enroll Online or give us
a call at (989) 684-1730.

Get Started

Recreational Loans

Chase the Horizon.

Recreational Vehicle Loans

Sunrise Family Credit Union is ready to help you seize every season. We offer flexible, affordable loans for a wide variety of recreational vehicles, whether your adventures take you across the lake or into the great outdoors.

VIEW OUR RATES

We Finance:

  • Motorcycles
  • Motor homes
  • Travel trailers
  • All-terrain vehicles (ATVs)
  • Side by Sides (UTVs)
  • Personal watercraft (wave runners, jet skis)
  • Boats
  • Snowmobiles

Features:

  • 100% Financing: Up to 100% loan-to-value for qualifying members.
  • No Application Fee: Start your journey without upfront costs.
  • Refinance & Save: Move your high-rate loan from another lender to SFCU.
  • Debt Protection: Life is unpredictable; our payment protection plans ensure your family is covered.

 

Dealer Direct Financing

Sunrise Family Credit Union realizes that your time is valuable. We have partnered with dozens of local dealerships to streamline the loan process. You can get the same great SFCU rates directly at the dealership!

It’s simple:

  1. Indicate to your salesperson that you would like to finance with Sunrise Family Credit Union.
  2. Fast Approval: The dealership sends the application electronically; we can often approve your loan in minutes.
  3. One-Stop Shop: Sign your loan documents right at the dealership when you pick up your vehicle.
  4. Drive Away: It’s that simple!

FIND A PARTNER DEALERSHIP

Group of people driving 4 wheelers and ATVs

Boat, Motor Home, and Other RV Loans
Effective Date: Wednesday, July 22nd, 2026
CategoryTermAPR (Annual Percentage Rate) based on as low asExample Payment (on $10,000)
Boats, Motor Homes & Trailers* Up to 61 Months 6.70% $191.73
Boats, Motor Homes & Trailers* Up to 73 Months 6.70% $170.98
Boats, Motor Homes & Trailers* 74-144 Months 7.70% $172.87
Other RV Titled* Up to 61 Months 6.70% $196.44
CD Secured Loan For 60 Mos. All Tiers 2.99% APR over like term CD rate $179.64

*Annual Percentage Rate=APR. APR based on sample loan amount of 25,000, payable in the number of months shown above. Actual APR may be repayment and credit score. Must meet SFCU normal underwriting qualifications for approval. No loan fee applications apply.  Rates may change at any time. Rate is the annual rate of interest. Interest will continue to accrue if no payment is made. Contact SFCU for more details. 800-589-1079.

Skip-A-Payment

Need a little extra breathing room in your budget? Our Skip-A-Pay program lets you skip your monthly payment for a small $25 fee on qualifying SFCU loans. You can apply to skip your payment up to two times per year!

SKIP-A-PAY DETAILS

Let’s Get You Preapproved

Before you head to the dealer, get your financing in order. Have these documents ready to speed up the process:

  • Proof of Income: Your most recent paystub (Self-employed? We’ll need a W2 and/or signed tax returns).
  • Title Information: Required only if you are refinancing a vehicle from another lender.
  • Insurance: Proof of valid insurance for your new recreational unit.

APPLY TODAY

 

Built by members, powered by community.

Enjoy personalized service, competitive rates, and fewer fees—because profits are reinvested back into our members, not shareholders. With a focus on financial well-being, local impact, and trusted guidance, Sunrise Family will help you build a stronger financial future with confidence.

Join Sunrise Family