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boat loans

Don't miss our limited-time offer! 90-days no payments1 for qualifying boat loans as low as 6.05% APR2. Loans available for fishing boats, sailboats, pontoons, and more. Whether you're cruising lakes or exploring seas, we’ll help make your maritime dreams a reality.

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boat loans and refinancing

The ocean blue is waiting for you.

At United, we understand that owning a boat is more than just a purchase—it's about embracing adventure, freedom, and the open water. Whether you're navigating the serene lakes, fishing, or enjoying a relaxing day on your pontoon, our boat loans make it easier to turn your nautical dreams into reality. With flexible loan terms and great fixed rates, we'll take care of you every step of the way.

Our boat loans cover a wide range of vessels, from fishing boats and sailboats to pontoon boats, cabin cruisers and more. Plus, if you're already financing through another lender, refinancing with us could help you save on monthly payments and reduce interest costs over the life of the loan​.

Questions? Contact Us Apply now online

Select Your State
Today's Rates for New & Used Boat Loans in Indiana

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.10%
$15,000 to $24,999 144 months 7.20%
$0 to $14,999 84 months 7.55%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available.

Today's Rates for New & Used Boat Loans in Michigan

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.50%
$15,000 to $24,999 144 months 7.60%
$0 to $14,999 84 months 7.95%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available.

Today's Rates for New & Used Boat Loans in Nevada

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 6.40%
$15,000 to $24,999 144 months 6.50%
$0 to $14,999 84 months 6.85%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available.

Today's Rates for New & Used Boat Loans in North Carolina

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.05%
$15,000 to $24,999 144 months 7.15%
$0 to $14,999 84 months 7.50%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available.

Today's Rates for New & Used Boat Loans in Ohio

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 6.05%
$15,000 to $24,999 144 months 6.15%
$0 to $14,999 84 months 6.50%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available.

Today's Rates for New & Used Boat Loans in Pennsylvania

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.50%
$15,000 to $24,999 144 months 7.60%
$0 to $14,999 84 months 7.95%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available.

Today's Rates for New & Used Boat Loans in Other States

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.50%
$15,000 to $24,999 144 months 7.60%
$0 to $14,999 84 months 7.95%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available.

Today's Rates for New & Used Boat Loans in Arkansas

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.30%
$15,000 to $24,999 144 months 7.40%
$0 to $14,999 84 months 7.75%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available.

Today's Rates for New & Used Boat Loans in Oklahoma

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.30%
$15,000 to $24,999 144 months 7.40%
$0 to $14,999 84 months 7.75%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available.

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Set sail with United!
You want the perfect boat, and we want to help you get it.

I'm ready, apply now

what our loan offers


United offers a fixed rate loan to finance a new or used boat. Have confidence knowing that you won't be tied down with additional fees. We allow borrowing up to 100% of the value of your boat to help cover expenses like taxes, title fees, and negative trade-in equity. United has no application fee or early payment penalties.

Boat Loan Information

good to know

Personal watercraft, like jet skis, are not considered a boat. If you are looking to finance your watercraft, you'll need a Motorcycle Recreational Loan.

Finance Watercraft

competitive rates
Flexible repayment terms up to 180 months for Boat Loans
flexible repayment terms up to 180 months2
Borrow up to 100% of the vehicle's value for Boat Loans
borrow up to 100% of the vehicle's value eligible for Skip-a-Payment easy to apply discount with an Ultra Checking account2
No application fees or prepayment penalties for Boat Loans
no application fees or prepayment penalties
Discount when you finance 80% or less for Boat Loans
discount when you finance 80% or less2
Discount with automatic payments for Boat Loans
discount with automatic payments2 Guaranteed Asset Protection Insurance4
Debt Protection for Boat Loans
Debt Protection3
Assistance for Boat Loans
helpful assistance online and in branch

Need a trailer for your boat? We've got you covered there too.

Trailer Financing

Trailer Financing

Trailer Financing

FAQ

A: You must have full coverage insurance with a $1,000 maximum deductible, and have a purchase order or copy of the title available.

If multiple names are on the title, all parties must sign the appropriate paperwork for the loan and lien perfection.

A: Once you have your recreational vehicle, its value is already worth less. Since insurance claim payments are based on the current value of your vehicle, your loan or lease could be higher than the value of your vehicle in the event of a total loss.

Guaranteed Asset Protection (GAP) is an optional product that you may purchase for your vehicle that covers the difference between the outstanding loan balance and the actual cash value of the vehicle in the event of a total loss or theft.

GAP can be added at any time, but it's most beneficial in the first 18 months of the loan. GAP is valid for one vehicle loan, including any recreational vehicle loan. The coverage cannot be combined across loans.

A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest.

A: Typically, GAP covers the loan itself and is nontransferable when the loan is refinanced. However, there is a slight chance GAP purchased on a United loan can be transferred if the loan is refinanced to a new United loan.

The ability to request this option will be dependent on the terms of the new loan and if the loan term is extended or not.

A: Yes, GAP can be added at any time to an existing loan with a qualifying vehicle. In most cases, it is most beneficial to add this during the first 18 months of the loan when there is the greatest likelihood of a deficiency balance in the event of a loss.

A: Yes, a boat loan from United covers used boats. Please be aware that a used boat over $75,000 will require a Certified Marine Appraisal to determine the value. A dealer write up or purchase order is not considered an appraisal.

Questions? Contact Us Apply now online today's rates