800-688-7228 Routing #314088284
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Support Center Location & ATMs Login
800-688-7228 Routing #314088284
Become a member

Boat loans

Owning a boat can open the door to time well spent with family and friends. The right loan can help you enjoy those moments without adding unnecessary financial stress. With flexible terms and competitive rates, you can finance your next adventure in a way that supports your long-term financial health.
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View current rates
Quick Facts

What sets our boat loans apart

Whether you're spending afternoons on the lake or navigating the open seas, Credit Human can help make your next adventure possible. We offer competitive rates for new and used boats with terms to fit your spending plan.

  • Finance new or used boats
  • No early repayment penalties
  • Easy pre-approval so you can shop confidently
  • Manage your loan online with digital banking
Qualifications apply, see details below
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Get pre-approved before you shop

When you’re ready to take the next step, having financing in place can make the process smoother. Get started today so you can focus on making the most of your time on the water.
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Boat loan rates - model year 2016 and newer

Rates effective as of 06-20-2025

Term Minimum loan Rate (APR)
1 - 48 months $5,000 7.44% - 15.29%
49 - 60 months $10,000 7.34% - 15.19%
61 - 72 months $20,000 7.29% - 15.14%
73 - 84 months $25,000 7.24% - 15.09%

Disclosures

Your specific rate and term will be dependent upon your credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values are determined based on the NADA Guide. Annual Percentage Rates (APRs) are effective as of June 20, 2025 and are to subject to change without notice. For information on current rates, call our Member Service Center at 210-258-1234 or toll free at 800-688-7228. Annual Percentage Rates (APRs) include a .20% discount for loan payments made automatically from any checking or saving account. Payment example: For a $15,000 loan for a term of 48 months with a 7.44% APR, the monthly payment will be $362.26

Start your boat loan application

 Apply online to explore options that fit your lifestyle. It’s designed to help you move forward with confidence. 
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