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Personal Watercraft Loans

Savor the summer sun & enjoy the freedom & fun waiting for you on the open water. Experience the excitement of owning a new personal watercraft.

apply for a Personal Watercraft Loan

New Personal Watercraft Loan Rates & Terms

apply for a Personal Watercraft Loan

Questions? Call 850.862.0111, Option 2 or email Consumer Loans via secure email.

New Personal Watercraft

Loan value Loan term APR*(as low as)
Up to $10,0001 48 Months 7.00%
Over $10,0002 60 Months 7.00%
  • We will finance 90% of the personal watercraft purchase price on models under $10,000 and 95% of the purchase price on models $10,000 or more. The purchase price includes permanently installed options, tax, tag, and title fees.
  • We will finance 100% of extended warranty insurance not to exceed $1,800.
  • We do not finance options that are not permanently affixed to the personal watercraft.
  • We do not finance dealer preparation charges, dealer markups reflected on addendum window sticker, dealer processing fees or any other dealer adds.
  • The difference between the purchase price and maximum allowable loan amount must be made by either cash or trade equity.
  • Negative equity will not be financed on a trade.
  • We will finance the cost of GAP Coverage (Guaranteed Asset Protection) offered through Eglin FCU.

* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Tuesday, June 23, 2026 and are subject to change

Insurance Requirements

PWC Loan Payment Calculator

Amount of Loan: $
APR*: %
Term of Loan: months
Monthly Payment: $
Total Payment: $
Disclaimer | Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Personal Watercraft
Savor the summer sun & enjoy the freedom & fun waiting for you on the open water. Experience the excitement of owning a new personal watercraft.
apply for a Personal Watercraft Loan

Personal Watercraft for Sale 

We offer 100% financing on our repossessed personal watercraft for qualified credit union members.
Nothing currently available
J. D. Power Values
Research the latest new vehicle prices and used vehicle book values.
compare J. D. Power Values
Guaranteed Asset Protection
If your vehicle is stolen or damaged beyond repair, GAP can help cancel the difference between the insurance settlement and what you may still owe on your loan.
more about GAP

Eglin FCU Debt Protection

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.

learn more about Debt Protection
Insurance Requirements for Collateral Loans
When you receive a collateral loan from Eglin FCU you'll need to agree to maintain adequate insurance coverage.
learn more about insurance requirements

Frequently Asked Questions

How do I apply for a Personal Watercraft Loan?
To apply for a Personal Watercraft Loan, visit a branch during business hours or apply online.

How do I make payments to my Personal Watercraft Loan?
You have several convenient options for making Personal Watercraft Loan payments. You can easily make a Personal Watercraft Loan payment by transferring funds from your Eglin FCU Checking or Savings account through our Online Banking service or Mobile App. Alternatively, you can use the External Transfers feature within Online Banking or the Mobile App to make a payment to your Personal Watercraft Loan from your checking or savings account at another financial institution. If you prefer, you can request to make a Personal Watercraft Loan payment at one of our Video Teller machines during business hours, or you can visit any of our local branches to make a loan payment in person. If none of these options suit you, sending your Personal Watercraft Loan payment with a check via mail is always an option. If you need more information on loan payment options, please call 850.862.0111, Option 2, or visit a branch during business hours.