Make a Splash

Boat Loans

Experience smooth sailing when you finance a new or used marine vessel with a Soarion Boat Loan.

Questions? Contact Us

Low Rates
Flexible Terms
Easy Online Application
Quick Application Turnaround
About Boat Loans
With Boat Loans, We’ll Keep You Focused on the Fun.

We’ll help you get off dry land and into the water with low rates, flexible terms, and no payment for up to 90 days¹ when you purchase a boat or other personal watercraft.

We also offer 100% financing for qualified borrowers making it easy to score the boat of your dreams without capsizing your budget. Get pre-approved and spend more time out on the water and not searching for the best loan rates and terms.

Ready to make some waves? Apply now with our simple online application.

Boat Loan Basics

  • Low Rates
  • Flexible Terms
  • No payment for up to 90 days1
  • No down payment for qualified borrowers

Boat Loan Rates

Rates effective as of: 4-6-2026
Rates effective as of: 07/24/2026

Term

APR* as low as

Up to 60 months (0-10 years)
6.99%
Up to 84 months (0-10 years)
7.29%

Explore more

Powersport Loans
Experience the thrill of your next adventure when you finance an ATV, UTV, or Jet Ski with a Soarion Powersport Loan.
RV Loans
Finance RVs, caravans, motorhomes, travel trailers, fifth wheels, and camper/tent trailers. Enjoy low rates, terms up to 12 years, 90 days of no payment, and 100% financing for qualified borrowers.
Motorcycle Loans
Kickstart your fun with low rates, flexible terms, and no payment for 90 days on a new or used motorcycle or ATV.
Auto Loans
Apply online in minutes for Soarion Credit Union auto loan pre-approval and confidently shop for your next car, truck, or SUV, knowing your budget and saving time.

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

1Interest accrual begins immediately once funded and will continue to accrue each month during deferment. Deferred payment may not exceed 90 days. Not all applicants will qualify.

Boat Loan payment example: A loan of $25,000 for 60 months at 7.00% APR will have an estimated monthly payment of $495. Use a Soarion Financial Calculator to calculate loan payment amounts.

Need a New Truck to Tow your Boat?

Finance your next vehicle with an Auto Loan from Soarion Credit Union.

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Get Started

You will need the following information to complete an application online or at a Soarion Financial Center:

Soarion Credit Union Members need to Login to Digital Banking and select “Accounts” > “Open an Account” to apply

We have partnered with Student Choice to help finance your education. Next steps will direct you to a marketplace site where other top national credit unions will offer you rates and terms based on your estimated FICO. You can then select which one works best for you and complete the application. It’s that easy to get the best rate from another trusted not-for-profit credit union.

Soarion Credit Union has partnered with myCUmortgage to offer mortgage loans and refinancing to our members. By clicking “Proceed” you acknowledge you are leaving the Soarion CU website and entering the myCUmortgage website, which is not managed by Soarion CU. Would you like to continue?