Boat and Watercraft Loans

Low rates, flexible terms, and a quick and easy online application will have you out on the water in style.

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Boat and Watercraft Loan Benefits

Whether you want a powerboat, sailboat, or personal watercraft, we have rates and terms too good to pass up.

Competitive Rates

Financing that makes owning a boat affordable.

Flexible Terms

Perfect loan terms to fit your budget- up to 180 months financing.

Easy Online Financing

Easy online application that takes minutes to complete.

Boat - New
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Estimated Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 72	Minimum Loan Amount Up to $20,000	Automated Payments APR* as low as 5.54%	Estimated Monthly Payment per $1,000 $16.36
Term/Months 84	Minimum Loan Amount Up to $20,000	Automated Payments APR* as low as 5.34%	Estimated Monthly Payment per $1,000 $14.30
Term/Months 120	Minimum Loan Amount Up to $20,000	Automated Payments APR* as low as 5.24%	Estimated Monthly Payment per $1,000 $10.73
Term/Months 180	Minimum Loan Amount $20,001	Automated Payments APR* as low as 4.94%	Estimated Monthly Payment per $1,000 $7.88

Boat and Watercraft Loan Payment Calculator

Boat Loan Calculator

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Boat and Watercraft Loans Have Never Been Easier

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Complete our easy and secure online application.

Get Pre Approved

You’ll get your pre-approval in minutes.

Buy Your Boat

Buy your watercraft and finalize your loan.

I have been with Atlantic for over 25 years. They help me when I need it, and the rates on loans are the best. I recommend if you’re looking for a bank to help you and not rob you, this is the one!

— Tami H.

Boat and Watercraft Loan FAQs

We finance all types of power and sailboats, including pontoon boats, catamarans, electric boats, and more. We also finance personal watercraft like Jetskis and Sea-Doos.

We consider your credit score, income, and loan repayment history, and the boat you want to finance during the loan approval process.

Our loan approval process is quick and easy. Once you apply for a loan, we’ll let you know if you’ve been approved within 48 hours.

You can make your monthly loan payment in a number of ways. You may mail us a check, transfer funds from your AFFCU accounts to your loan as payment, use your financial institutions’ online bill pay system, or pay by card (fees apply).

No. We never penalize members for paying off loans early.

Contact Us And Get Started

Apply online

Call us

(410) 584-7474

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