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Boat Loans

Rates as low as 4.99% APR**

Set sail with 1% cash back!

Whether you're riding the waves or reeling in the big one, let us help move your water cruising forward!
For a limited time, get up to $250 cash back* on new, used and refinanced boat loans.
Plus, you'll enjoy low rates, flexible financings and no payments for 90 days.

Apply Now  1.800.650.6328

Boat Loan Rates
Term APR Range Est. Payment /$1,000 Borrowed
36 months 4.99% - 16.99% $29.97 - $35.65
72 months 4.99% - 16.99% $16.10 - $22.24
96 months 5.99% - 17.99% $13.14 - $19.72
180 months 5.99% - 17.99% $8.43 - $16.10

*Rates as of 8/8/2022. Monthly payments per $1,000 for up to 72 months at 4.99% APR is $16.10. 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 and underwriting criteria. 

Boat Loan Benefits

Whether you want to fish or float, we have you covered with a boat loan that has flexible terms and competitive rates.

  • 1% cash back offer until August 31*
  • Low interest rates
  • Terms up to 180 months*
  • Flexible financing options
  • No payments for 90 days
  • Simple online application
  • Easy to use online account management
  • Loan Protection Options

Apply Now

Boat Loan Protection 

Protect your loan with Guaranteed Asset Protection (GAP) and Credit Life & Credit Disability.
Call us to get started 1.800.650.6328.

GAP (Guaranteed Asset Protection)

Pay only what your boat is worth.

  • Enjoy peace of mind because GAP may cover the difference when your loan payoff is greater than the actual worth of your asset.
  • GAP is important because insurance companies won’t pay for the entire amount of your loan balance if your boat is stolen or totaled in an accident.

This coverage must be purchased at the time of closing the loan, not after. 

  • Give security to your loved ones in the event of your death and protect your credit if you become disabled.
  • Credit Life pays your loan entirely, and Credit Disability makes your payments during a period of disability.

Estimate Your Monthly Payment

Term in Months

Monthly Payment

$

Interest Rate

% APR

Please note that these calculators are provided for informational and planning purposes only. Your actual terms and rates will vary depending on credit history and the details of the loan. Contact us to get your best rate.

Get on the water!

Low rates, flexible financing options, 90 days no payments and a simple application. We believe getting a boat loan should be easy.

Get started today

Additional Loan Options

Looking for a different loan to keep life moving forward? We've got you covered!

 

Auto

Learn More »

 

Motorcycle & ATV

Learn More »

 

RV & Camper

Learn More »

 

Personal Loans

Learn More »

*Maximum amount of cash back is $250.00 per loan. Cash incentive subject to loan approval. Rate and term to be determined based on creditworthiness. Refinancing of existing Gulf Winds Credit Union loans do not qualify. Vehicles purchased and financed through dealerships do not qualify. 1% Cash Back offer until August 31. Cannot be combined with any other offer. Gulf Winds Credit Union membership required with a $5 minimum deposit. Other restrictions may apply. Visit https://www.gogulfwinds.com/cashback/ for more information. If you have questions, please call us at 1.800.650.6328.

**Rates as low as 4.99% APR for up to 72 months on new and used RV and Boat purchases, and refinances. Monthly payments per $1,000 for up to 72 months at 4.99% APR is $15.65.

For all loans, maximum loan term will depend on the age of collateral and/or the amount of the loan. The actual APR may vary based on the applicant's credit history. Excludes current Gulf Winds loans.