Boat Financing and Loans

This rate includes a 0.25% discount for using optional automatic payments.‍ ‍^{See note 1}

Apply now for a Boat loan Refinance my boat loan

Purchase and refinance loans for many types of boats

We can help finance a new or used boat, including the trailer and motor if needed.

Motorboat
Sailboat
Fishing boat
Yacht
Pontoon
Houseboat

Looking to finance something smaller?

Jet Ski® or other personal watercraft

If you want to finance a smaller vessel, consider a personal loan for jet ski or personal watercraft.‍ ‍^{See note 2}

Canoe or kayak

If you need financing options for a new rowboat, canoe or kayak, check out our credit card options for rowboat, canoe, or kayak.

Why choose us

We’ve been serving the military community since 1922.

Quick application

Apply online and get a decision in minutes in most cases.

Up to 20 years financing

Find a term that works for you. We offer up to 240 months, or 20 years.‍ ‍^{See note 1}

Extraordinary service

Get help when you need it from one of our representatives.

Boat loans FAQ

Yes. As with most loans, your approval and interest rate depend, in part, on your credit score and history.

Yes. The minimum loan amount is $5,000. The maximum loan amount is $500,000.

Find boat insurance.

A boat insurance policy from the USAA Insurance Agency can cover your boat, transport trailer and more.‍ ‍^{See note 3} From emergency services to liability protection, boat insurance can help you stay afloat.

Explore boat insurance

We can help you start a new adventure.

Find your perfect boat and we'll guide you through our loan process.