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Flexible Buying
Flexible Buying

Use a Boat & Watercraft Loan from PrimeWay to buy a variety of boats, including ski boats, pontoon boats, sailboats, sport-fishing boats, jet skis – and much more!

Freedom to Negotiate
Freedom to Negotiate

With our quick and easy pre-approval process, you can get approved in 24 hours and find the boat or watercraft of your dreams.

Terms up to 12 Years
Terms up to 12 Years

Making your boat loan payments shouldn’t be stressful. With extended terms up to 12 years, your dream of owning a boat is within reach.

Competitive Rates
Competitive Rates

PrimeWay members enjoy affordable interest rates every day – and that includes Boat & Watercraft Loans.

Starting at 4.07% APR
PrimeWay Boat & Watercraft Loan Features
Starting at 4.07% APR

Getting a Boat & Watercraft Loan is Simple

Step 1
Step 1

Apply online and get pre-approved in 24 hours by clicking the button below.

Step 2
Step 2

Shop for the boat or watercraft of your dreams.

Step 3
Step 3

Finalize your financing with PrimeWay and hit the waves!

Skip a Payment on Your Boat & Watercraft Loan

Having one of those months where money is a little tight due to some unexpected expenses? At PrimeWay, we understand. That's why we offer our members the chance to Skip-a-Pay. For just $25 per qualifying loan, you can skip your payment and free up the cash you need.

Click here to learn more.

Boat & Watercraft Loan FAQs

What is the loan term for a Boat & Watercraft Loan?

We offer flexible loan terms up to 144 months (12 years) for boats & watercraft. Loan maximums are based on terms.

How does the approval process work?
First, you’ll apply online and wait to get pre-approved – usually 24 hours or less. Then, you can shop for the boat you want, negotiate a price – and we’ll help you finalize the loan, so we can send the money to the dealer or seller.
Are interest rates for Boat & Watercraft Loans fixed or variable?
We offer fixed rates for Boat & Watercraft Loans, so you’ll always know what your monthly payment will be.
Is a boat or watercraft loan eligible for the Skip-a-Pay program?
Yes, our boat and watercraft loans are eligible for the loan Skip-a-Pay program. Please click here to request skip-a-pay for your loan.

Learn Why Our Members Love PrimeWay

We make your dreams our mission – every day. Read what our members have to say about how PrimeWay membership has helped them achieve their dreams.

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Refinancing is subject to credit approval by PrimeWay Federal Credit Union. Rates will be determined at the time you apply based on application information. Additional terms and conditions apply such as vehicle age and mileage. If you decide to refinance with PrimeWay Federal Credit Union, you may be able to lower your monthly loan payment or reduce your APR. However, if you choose a loan term that is longer than the term left on your existing vehicle loan, you will pay interest over a longer period of time, and the overall cost of your loan may be higher. Consult your financial advisor to see if refinancing your vehicle loan is right for you.

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