Prior year models and newer are considered new boats. On models that have never been titled, we finance 95% of the purchase price, including sales tax, title and tag fees. Rates provided are current as of Tuesday, December 2, 2025 and are subject to change. When you're ready to apply for a Boat Loan, click one of the links below to apply online or visit a branch during business hours.
| Loan value | Loan term | APR*(as low as) |
| Up to $10,000 | 60 Months | 6.75% |
| Up to $25,000 | 120 Months | 7.75% |
| Up to $50,000 | 144 Months | 8.00% |
| Over $50,000 | 180 Months | 8.00% |
| Loan value | Loan term | APR*(as low as) |
| Up to $10,000 | 60 Months | 7.75% |
| Up to $25,000 | 120 Months | 8.75% |
| Up to $50,000 | 144 Months | 9.00% |
| Over $50,000 | 180 Months | 9.00% |
Got questions? Give us a call at 850.862.0111, Option 2, or email our Consumer Loans department via secure email.
Loans for new boats Up to $10,000 are available with an annual percentage rate as low as 6.75% for a loan term of 60 Months.
Loans for new boats Up to $25,000 are available with an annual percentage rate as low as 7.75% for a loan term of 120 Months.
Loans for new boats Up to $50,000 are available with an annual percentage rate as low as 8.00% for a loan term of 144 Months.
Loans for new boats Over $50,000 are available with an annual percentage rate as low as 8.00% for a loan term of 180 Months.
Loans for used boats Up to $10,000 are available with an annual percentage rate as low as 7.75% for a loan term of 60 Months.
Loans for used boats Up to $25,000 are available with an annual percentage rate as low as 8.75% for a loan term of 120 Months.
Loans for used boats Up to $50,000 are available with an annual percentage rate as low as 9.00% for a loan term of 144 Months.
Loans for used boats Over $50,000 are available with an annual percentage rate as low as 9.00% for a loan term of 180 Months.
Sample Repayment: For a $50000 Boat Loan over a term of 60 months at an APR of 6.75%, the approximate monthly payments would be $982.
We offer 100% financing on our repossessed boats for qualified credit union members.
Cancel or waive your loan payment(s) up to the contract maximums if a protected event such as disability, loss of life, or involuntary unemployment occurs.
How do I apply for a boat loan?
To apply for a boat loan, you may either visit a branch during business hours or you may apply online by clicking the "apply for a Boat Loan" link on our Boat Loan page.
Routing Number: 263178070
*APR = Annual Percentage Rate.
