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Boat Loans

Set sail with UMCU's flexible boat loans!

 Apply for a Loan Schedule an Appointment

Get Ready for Adventure with UMCU Boat Financing

Spend less time filling out paperwork and more time making memories on the water. With UMCU's competitive rates and flexible terms, financing your boat is easy, so you can enjoy the lake with more freedom—and more funds for gear, fuel, and fun!

  • Flexible loan term up to 240 months
  • Borrow up to $350,000 
  • Fixed rates for predictable monthly payments 
  • No early repayment penalties 
  • Automatic payment options so you never miss a payment. 
  • Easy access to your loan through the Online Banking portal and mobile app

Loan Rates

APR
APR 7.50% - 13.75% Adjustable

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We Also Recommend

Travel Trailer Loans

  • Flexible loan term up to 240 months
  • Borrow up to $350,000
  • Fixed rates* for predictable monthly payments
  • No prepayment penalties
  • Automatic payment options so you never miss a payment.
  • Easy access to your loan through the Online Banking portal and mobile app

Motorcycle Loans

  • Flexible loan term of up to 240 months
  • Fixed rates* for predictable monthly payments
  • No early repayment penalties
  • Automatic payment options so you never miss a payment.
  • Easy access to your loan through the Online Banking portal and mobile app

Common Questions

Absolutely! Applying for a boat loan with UMCU is a breeze! The process is almost identical to applying for a vehicle loan. We get you pre-approved for free so you can shop with confidence knowing how much boat you can afford!

Already know what your next vessel will be? Perfect! Let us know during the pre-approval process!

To apply for a boat loan, we just need to know two thing: your income, and any other debt you may have.

Nope! If you have one, that's great - but it's not required.

Unfortunately, the Graduation Loan special rate only applies to traditional vehicle loans. However, the special Graduation Loan rate is good up to one year after the date of your graduation! So if you decide to purchase a car, van, or truck instead of a boat, you can still take advantage of that special rate!

All kinds! And they don't have to be brand new - UMCU is pleased to offer the same rate on new or used boats.

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Disclaimer

*Actual APR determined by credit history, approved loan amount and loan term.

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