Boat Loans

Float on With These Rates

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Easy and Secure Online Application Process

Getting a loan doesn’t have to be difficult or complicated. Our secure online application process is simple and fast, making it easy to get started.

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Flexible Terms and Rates

There’s no need to stress over your boat loan terms. We partner with you to create a loan that fits your situation and works well with your budget.

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Fast Approval

We process and approve loans in approximately one business day, so you can swiftly take your next steps for getting the boat of your dreams.Apply Online Button

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Get out on the water without the worry

When you’re longing for the freedom of fishing and sailing with friends and family, a boat loan from a trusted credit union may be the perfect solution.  We can turn your dream of time at the lake from imagination to reality with a boat loan that works for you. Oklahoma’s many lakes offer a relaxing getaway within a short driving distance, and owning a boat gives you a way to get away from your everyday life and have fun at the lake whenever you want to. With our flexible boat loan options, we make the process of getting your boat straightforward, so you can enjoy everything our lakes have to offer, without worrying over the financing.

  • Superior service — At our credit union, you’re not just a name and a loan number. We treat you as a person and offer you individual service that gives you peace of mind.
  • New or used — Whether you want to invest in a brand-new boat or a used one, we’re here to assist you in enjoying the freedom of lake life at loan rates you can afford.

Boat Loan Rates

36 Months ( 78 Bi-Weekly)
As Low As 6.200% APR*
48 Months (104 Bi-Weekly)
60 Months (130 Bi-Weekly)
72 Months (156 Bi-Weekly)
84 Months (182 Bi-Weekly)
As Low As 6.950% APR*
As Low As 7.700% APR*
As Low As 8.450% APR*
As Low As 9.200% APR*

Much like buying a car or truck, a boat loan equips you to make a purchase that fits your style and budget. Whether you want a ski boat, a lazy pontoon, or a luxurious fishing boat, we’ll work with you to help you achieve your dreams. 

  • List all types of boats that can be financed: Loans are available for just about any type of boat you want: fishing boats, cabin cruisers, pontoons, and so much more.
  • Finance details — We finance 100% of the retail value of the boat up to $30,000. 
  • Repayment terms — Our loans can accommodate payment schedules up to 84 months.
  • Boat loan calculator

Payment Calculator

Principal Amount:
Payment Amount:
Number of Payments to Pay Off:
Interest Rate:
Total Payments:
Total Interest:
$36,000.00
$760.47
60
9.75%
$45,628.42
$9,628.42

Have Questions? Contact us for more information

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Frequently Asked Questions

Are boat loans hard to get?

With approved credit, the process for getting a boat loan at our credit union is the same as most other loans. The only difference is that a boat is normally considered a seasonal/luxury item rather than a need-based item. We evaluate boat loan applications with that in mind.

Do you offer pre-approvals?

With approved credit, the process for getting a boat loan at our credit union is the same as most other loans. The only difference is that a boat is normally considered a seasonal/luxury item rather than a need-based item. We evaluate boat loan applications with that in mind.

What information do I need to apply?

To complete the application, we ask that you provide a buyers agreement that lists all accessories, the boat’s year, make and model, and VIN.

What is the average interest rate for a boat loan?

The national average is between 4% and 6%.

How long will it take to get a decision?

We provide a decision on your application within one business day.

Can I get a mortgage on a boat?

Mortgages are for homes. But you can get a loan to buy a boat, the same as you can get a loan for a car or truck.

How does the closing process work?

After you figure out the boat/price you need you get approved at the CU and then go back to the boat dealership and give them a check for your approved amount.

How can I check the value of the boat I'm buying?

NADA Guides provides blue book details on boat and personal watercraft valuations.

Quick Tip

No spend day

Sometimes spending can turn into a thoughtless habit. The more you do it, the easier it becomes. For just one day a month commit to having a no spend day. You could save a couple of dollars to a lot more, depending on how much you typically spend.

See all of our loan Offerings

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