Turn your recreational dreams into reality with competitive financing for boats, RVs, motorcycles, ATVs, and more
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We finance a wide range of watercraft for your on-the-water adventures
Cruising sailboats, racing yachts, catamarans, and day sailors for wind-powered adventures
Ski boats, wakeboard boats, cruisers, and express boats for speed and versatility
Bass boats, center consoles, offshore fishing boats, and jon boats for angling enthusiasts
Family pontoons, fishing pontoons, and luxury tritoons for relaxing on the water
Personal watercraft, wave runners, and stand-up jet skis for high-energy water sports
Kayaks, canoes, inflatable boats, and other unique water vessels can take advantage of our Line of Credit options
Choose the loan terms that fit your budget and watercraft
Member-owned, community-focused financing with competitive rates and personalized service
Better rates than traditional dealer financing with predictable monthly payments based on your credit score
Efficient application and approval process makes your boat purchase smoother and faster
Choose repayment periods that fit your financial situation - up to 84 or 120 months depending on loan amount
Finance up to 90% for boats under $75K or 80% for boats above $75K
GAP and Credit Life Insurance available to safeguard your investment
As a credit union member, you own a share of the institution and enjoy exclusive benefits
Your boat or jet ski opens up a world of exciting activities
From bass fishing to deep-sea adventures
Skiing, wakeboarding, and tubing fun
Peaceful cruising and sunset watching
Creating memories with loved ones
Discovering hidden coves and beaches
High-speed thrills and performance
Get an estimate of your monthly payment with our easy-to-use calculator
Use our online calculator to estimate your monthly payments based on your boat price, down payment, and loan terms.
Navigate the boat buying process with confidence using our expert guidance
Calculate total ownership costs including insurance, maintenance, storage, and fuel beyond just the purchase price
Consider your intended use: fishing, water sports, cruising, or sailing to select the right vessel
Secure financing first to strengthen your negotiating position and streamline the buying process
Research market values, inspect thoroughly, and consider a marine survey for used boats
Use your pre-approval to negotiate confidently and complete the purchase with proper documentation
Secure appropriate marine insurance coverage and complete state registration requirements
Budget 15-20% of the boat's value annually for maintenance, insurance, storage, and fuel costs
Get approved quickly with our streamlined process
Complete our secure online application in just minutes
Complete paperwork and receive funds to purchase your boat
Start enjoying your new boat and making memories on the water
Real experiences from PVCU members who financed their boats and jet skis with us
"Pioneer Valley Credit Union made buying our first boat so easy. The rate was fantastic and the process was smooth from start to finish. We're now enjoying every weekend on the lake!"
"I saved thousands compared to dealer financing on my fishing boat. The team at Pioneer Valley Credit Union really worked to get me the best rate possible. Highly recommend!"
Get answers to common questions about boat and jet ski financing
Apply for your boat loan today and start your next aquatic adventure
📞 Phone: (413) 733-2800
📧 Email: loans@pvcu.com
Monday-Friday: 9:00 AM - 5:00 PM
Quick approval process available
Boat & Jet Ski Loan Terms: Loan amounts from $5,000 to $74,999 with up to 90% loan-to-value financing and maximum terms of 84 months. Loans of $75,000 and above with up to 80% loan-to-value financing and maximum terms of 120 months. Interest rates are fixed for the loan term and based on member creditworthiness. All loans subject to credit approval and membership eligibility.
Additional Information: GAP and Credit Life Insurance available. Warranty coverage is not available for boat loans. Boats must be used for recreational purposes. Membership required - you must be eligible for membership and open a share savings account with a minimum deposit of $25 to establish membership. This credit union is federally insured by the National Credit Union Administration. Equal Housing Lender.
Based on National Automobile Dealers Association (NADA) Value. Borrow up to 90% MSRP on New Boat over $50,000. Loan rates are based on members with the best credit profile.
The rate may vary depending on each individual’s credit profile and loan term. Minimum loan amount $5,000 with 10% down payment
Value based on National Automobile Dealers Association (NADA) Value retail value or MSRP
Purchased Debt Protection and GAP coverage are at borrowers’ cost and responsibility
Not all will qualify foir the lowest rate
*APR = Annual Percentage Rate; APY = Annual Percentage Yield; Terms and conditions apply. Click here for Loan Rates & Disclosure. Click here for Home Loan Rates & Disclosure. Click here for Savings Rates & Disclosure.
Calculator is for informational use only. Your actual loan terms will vary based on a number of factors.
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Calculator is for informational use only. Your actual savings will vary based on a number of factors.