Boat Loans

Found a boat to purchase and now need financing? Want to refinance your higher interest boat loan from another lender? Gulf Winds has the right boat loan to fit your needs. Our low rates and flexible terms let you easily manage your boat loan payments so you can enjoy being out on the water.

Ready to Dive In?

We're ready to help you set sail. Get started:


Apply Online Now

Benefits of a Gulf Winds' Boat loan include:

  • Low Rates — Calculate your payments
  • Terms up to 180 months 
  • Flexible Repayment Options
  • No payments for 90 days
  • Simple Loan Application
  • New, Used or Refinance

We finance it all

Gulf Winds makes it easy to purchase or refinance a variety of new or used boats, including:

  • Pontoon Boats
  • Wave Runners
  • Bass Boats
  • Sail Boats
  • Center Console
  • Cabin Cruiser

Loan ProtectionLoan Protection

You’re strong and secure when you bundle Guaranteed Asset Protection (GAP) and Credit Life & Credit Disability on your loan. Ask your Loan Specialist how you can be protected.

Learn More »

Boat Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
72 months 4.99% - 16.99% $16.10 - $22.24
180 months 5.99% - 17.99% $8.44 - $16.11

Rates as of . Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history.