Boat/RV Loans

Answer the call of the open road or open water

Start your next adventure with a boat or RV, whichever fits your lifestyle.

Whether you're planning to road trip in the perfect motorhome or sail off into the sunset on that boat you've always dreamed of, XCEL provides flexible financing to purchase or refinance new or used RVs, boats, and personal watercraft of all kinds. 

  • Terms up to 120 months for large watercraft (pontoons, catamarans, sail boats, certain fishing boats)
  • Terms up to 84 months for small watercraft (JetSkis, Waverunners, certain fishing boats)
  • Ask us about terms for motorhomes, pop-up campers, travel trailers, fifth wheels and other RV types
  • XCEL RV and boat loans offer competitive rates, flexible repayment options, no prepayment penalties and more.


XCEL FCU is a credit union serving members in New Jersey, New York and across the country.