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Personal Water Craft Financing

Move faster with your Jet Ski® purchase

Afford Your Personal Water Craft with a Recreational Loan

When you want your own personal water craft (PWC), like a Jet Ski or other brand, we’re here to help. Whether you want a new or used craft, speak with one of our financial services representatives to discuss what you’re looking for, the cost, and your budget. The best time to apply for a Recreational Loan is before you buy, so we can discuss loan rates and terms, and what you qualify for. With pre-approval you’ll go into your shopping knowing just how much you can afford. And you’ll have some extra buying power.

Couple enjoying riding a jet ski out on the open water.

Personal Water Craft Financing

We'll walk you through what’s required to apply. You can start by calculating sample payments based on options for different loan amounts, interest rates, and payment periods using our Recreational Loan Calculator, below.

Summer Smarter

For fun on the water this summer, plan ahead with personal water craft financing. Get started with the application process below.


If you’re not ready to apply for a Recreational 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.

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.

Recreational Loan Comparison Calculator

Term APR
12 Month as low as 6.74%
24 Month as low as 6.74%
36 Month as low as 6.74%
48 Month as low as 7.00%
60 Month as low as 7.25%
72 Month as low as 7.35%
84 Month as low as 7.45%

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

Monthly payments for a 5 year recreational use vehicle or equipment loan at 7.25% would be $19.92 per $1,000 borrowed.

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