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Boat Loans

Boat Financing Option

Let's Get Out on the Water

Whether you’re ready for a fishing boat, tracker boat, sport boat, speed boat, ranger boat, canoe, kayak, luxury pontoon, or any other kind of boat, getting financing is your first stop. 

Woman boating on a lake.

Boat Financing

When buyers consider financing a boat purchase, their biggest questions are in the details: What are boat financing rates? How do I get pre-approved? Can I get a loan with zero down? How easy is it to apply for—and get approved for—a boat loan? And typically how long is a boat loan? Many of the answers depend on your individual circumstances, finances, savings, income, and other factors. We’ll cover them quickly and simply when we speak with you, explain how financing a boat works, see if you qualify to be pre-approved, and give you options to fit your budget and lifestyle. You can start with an idea of your payments using our Boat Loan Calculator, below.

Boat Interest Rates

Most loan rates vary with your personal financial standing, including debt to income ratio, down payment, and credit. The range of our current rates is available below, where we show the lowest possible rate. The rate you pay will vary, depending on the details of your application, including credit history. Considering a jet ski? Check out our Recreational Loan rates.

Live Smarter 

Summer is calling, so get started with a Boat Loan below.

Apply Now

 

If you’re not ready to apply for a Boat Loan, and have questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly and knowledgeable representatives today.

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Let’s Get Started

We look forward to helping you.

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Not sure which model you can afford?

Check out our helpful loan comparison calculator.


Boat Loan Comparison Calculator

2023-2025

Term APR
12 Month as low as 5.24%
24 Month as low as 5.24%
36 Month as low as 5.24%
48 Month as low as 5.24%
60 Month as low as 5.49%
72 Month as low as 5.74%
84 Month as low as 6.24%
96 Month as low as 6.49%
108 Month as low as 6.49%
120 Month as low as 6.79%
180 Month as low as 7.79%

2022 & Older

Term APR
12 Month as low as 6.00%
24 Month as low as 6.00%
36 Month as low as 6.10%
48 Month as low as 6.20%
60 Month as low as 6.30%
72 Month as low as 6.55%
84 Month as low as 6.80%
120 Month as low as 7.80%

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.

Monthly payments for a 5 year new boat or motor home loan at 5.49% would be $19.10 per $1,000 borrowed.
Monthly payments for a 5 year used boat or motor home loan at 6.30% would be $19.47 per $1,000 borrowed.

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Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.