65K+

65K+

Valued Members and Growing

Valued Members and Growing

75+

75+

Years In Business

Years In Business

3.5+

Billion in Managed Assets

Billion in Managed Assets

18

Communities Across Ontario

Communities Across Ontario

YNCU has flexible financing solutions that work for you

Apply for only the amount you need for the RV you want and that’s within your budget. We offer some really competitive rates and payment options. Have a look:

1.

Pick your terms

Pick from flexible amortization terms with up to 96 months on select vehicles, along with fixed or variable rate financing to suit your needs.

2.

Choose your payment schedule

Select a payment schedule that works for you

3.

Purchase your vehicle

Get financing through YNCU when you're ready to purchase.

Get started on your RV loan today

Our low rates are available for a limited time. Meet with an Advisor by booking a meeting online or call us at 1-888-263-2225 to get started today.

Simple no-trick financing

For a limited time, we have lowered our rates.

Why choose YNCU for car financing and more

Pick from flexible amortization terms with up to 96 months on select vehicles, along with fixed or variable rate financing to suit your needs.

The reasons

Competitive Rates

Extra financing support

Pay off your loan early

Payment extensions

Rates as low as

6.95%*

Call to speak with a local advisor
1-888-263-2225

1-888-263-2225

1-888-263-2225

We make getting a RV loan easy

Call to speak with a local advisor 1-888-263-2225

1-888-263-2225

1-888-263-2225

Call to speak with a local advisor.

Helping serve our members since 1950

Helping serve our members since 1950

Helping serve our members since 1950

While it sounds cliché, here at YNCU, our members come first. As a credit union, we don’t have the stock pressures of big banks, so we can prioritize your financial well-being over profit.

Why choose YNCU?

Given the economic uncertainty we’re facing in this country, our job is to make you feel confident about your future. We’ll help you earn, save, and protect your money. We also help the local communities where we do business, because we know the financial health and security of our customers and members require investments at both individual and collective levels.

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YNCU staff peaking out of offices
YNCU staff selfie while planting trees
YNCU staff presenting cheque with Santa
YNCU member with kids

What our amazing members say about us

Our members are at the heart of everything we do. Their stories highlight the trust, support, and meaningful connections we strive to build every day. Here’s what they have to say about their experience with us.

YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.

Mary E.

Happy Member

Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.

Leann W.

Happy Member

They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.

Caleb D.

Happy Member

Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).

Jay P.

Happy Member

What our amazing members say about us

Our members are at the heart of everything we do. Their stories highlight the trust, support, and meaningful connections we strive to build every day. Here’s what they have to say about their experience with us.

YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.

Mary E.

Happy Member

Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.

Leann W.

Happy Member

They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.

Caleb D.

Happy Member

Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).

Jay P.

Happy Member

What our amazing members say about us

Our members are at the heart of everything we do. Their stories highlight the trust, support, and meaningful connections we strive to build every day. Here’s what they have to say about their experience with us.

YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.

Mary E.

Happy Member

YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.

Mary E.

Happy Member

Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.

Leann W.

Happy Member

Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.

Leann W.

Happy Member

They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.

Caleb D.

Happy Member

They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.

Caleb D.

Happy Member

Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).

Jay P.

Happy Member

Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).

Jay P.

Happy Member

Here are some commonly asked questions about RV loans

What are the loan terms for RV financing with YNCU?

With YNCU, you can finance an RV for anywhere from 1 to xx years. Choose from weekly, biweekly, semi-monthly, or monthly payment options. Our competitive rates are often lower than dealership financing, and we tailor terms to suit your lifestyle and travel plans.

What are the loan terms for RV financing with YNCU?

With YNCU, you can finance an RV for anywhere from 1 to xx years. Choose from weekly, biweekly, semi-monthly, or monthly payment options. Our competitive rates are often lower than dealership financing, and we tailor terms to suit your lifestyle and travel plans.

What are the loan terms for RV financing with YNCU?

With YNCU, you can finance an RV for anywhere from 1 to xx years. Choose from weekly, biweekly, semi-monthly, or monthly payment options. Our competitive rates are often lower than dealership financing, and we tailor terms to suit your lifestyle and travel plans.

How much RV can I afford to buy?

If you're making the exciting decision to invest in the RV lifestyle, YNCU suggests keeping your monthly RV costs within 15% of your income and putting 10–20% down. But every journey looks different, what matters most is choosing a budget that feels right for you.

How much RV can I afford to buy?

If you're making the exciting decision to invest in the RV lifestyle, YNCU suggests keeping your monthly RV costs within 15% of your income and putting 10–20% down. But every journey looks different, what matters most is choosing a budget that feels right for you.

How much RV can I afford to buy?

If you're making the exciting decision to invest in the RV lifestyle, YNCU suggests keeping your monthly RV costs within 15% of your income and putting 10–20% down. But every journey looks different, what matters most is choosing a budget that feels right for you.

Can I pay off my RV loan early without penalties?

Yes! At YNCU, you can pay off your RV loan early anytime, saving on interest and owning your RV sooner.

Can I pay off my RV loan early without penalties?

Yes! At YNCU, you can pay off your RV loan early anytime, saving on interest and owning your RV sooner.

Can I pay off my RV loan early without penalties?

Yes! At YNCU, you can pay off your RV loan early anytime, saving on interest and owning your RV sooner.

Is it better to get an RV loan or use a line of credit?

We recommend choosing an RV loan. RV loans have fixed terms and lower interest rates compared to personal lines of credit. They also offer predictable payments, which makes budgeting for your adventures easier.

Is it better to get an RV loan or use a line of credit?

We recommend choosing an RV loan. RV loans have fixed terms and lower interest rates compared to personal lines of credit. They also offer predictable payments, which makes budgeting for your adventures easier.

Is it better to get an RV loan or use a line of credit?

We recommend choosing an RV loan. RV loans have fixed terms and lower interest rates compared to personal lines of credit. They also offer predictable payments, which makes budgeting for your adventures easier.

Do I pay less interest if I pay off my RV loan early?

Absolutely. By making extra payments or paying off your loan early, you reduce the total amount of interest you pay over time. That’s more money you can put toward your next road trip.

Do I pay less interest if I pay off my RV loan early?

Absolutely. By making extra payments or paying off your loan early, you reduce the total amount of interest you pay over time. That’s more money you can put toward your next road trip.

Do I pay less interest if I pay off my RV loan early?

Absolutely. By making extra payments or paying off your loan early, you reduce the total amount of interest you pay over time. That’s more money you can put toward your next road trip.

What other costs should I consider when buying an RV?

Beyond the purchase price, factor in insurance, fuel, maintenance, storage fees, campground fees, registration, and accessories (like generators or leveling gear). These can add up quickly—budgeting for them helps avoid surprises on the road.

What other costs should I consider when buying an RV?

Beyond the purchase price, factor in insurance, fuel, maintenance, storage fees, campground fees, registration, and accessories (like generators or leveling gear). These can add up quickly—budgeting for them helps avoid surprises on the road.

What other costs should I consider when buying an RV?

Beyond the purchase price, factor in insurance, fuel, maintenance, storage fees, campground fees, registration, and accessories (like generators or leveling gear). These can add up quickly—budgeting for them helps avoid surprises on the road.

Do I need a down payment for an RV loan?

While it’s possible to finance an RV with little or no down payment, we recommend putting at least 10–20% down. A higher down payment can reduce your interest costs and monthly payments.

Do I need a down payment for an RV loan?

While it’s possible to finance an RV with little or no down payment, we recommend putting at least 10–20% down. A higher down payment can reduce your interest costs and monthly payments.

Do I need a down payment for an RV loan?

While it’s possible to finance an RV with little or no down payment, we recommend putting at least 10–20% down. A higher down payment can reduce your interest costs and monthly payments.

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Available on approved credit. Additional terms and conditions may apply. The 6.95% rate is available on 5-year RV loans of $25,000 or more for 2021–2025 recreational vehicles, with amortization of up to 15 years.

Promotional rate includes a 0.50% discount for CUMIS auto insurance holders. To receive the discounted rate, life and disability protection is required. Other rates and terms are available without this condition. Speak with a YNCU representative or visit your local branch for complete details.

Available on approved credit. Additional terms and conditions may apply. The 6.95% rate is available on 5-year RV loans of $25,000 or more for 2021–2025 recreational vehicles, with amortization of up to 15 years.

Promotional rate includes a 0.50% discount for CUMIS auto insurance holders. To receive the discounted rate, life and disability protection is required. Other rates and terms are available without this condition. Speak with a YNCU representative or visit your local branch for complete details.

Available on approved credit. Additional terms and conditions may apply. The 6.95% rate is available on 5-year RV loans of $25,000 or more for 2021–2025 recreational vehicles, with amortization of up to 15 years.

Promotional rate includes a 0.50% discount for CUMIS auto insurance holders. To receive the discounted rate, life and disability protection is required. Other rates and terms are available without this condition. Speak with a YNCU representative or visit your local branch for complete details.

2025 Your Neighbourhood Credit Union Limited. All rights reserved.

Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).

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