Boats & Jet Skis Loans

Boats & Jet Skis

Your next adventure on the water starts here. Finance your boat or jet ski through Pioneer Valley Credit Union with competitive fixed rates and flexible terms, whether you're buying new or used.

💰

Competitive Fixed Rates

Better rates than traditional dealer financing, with predictable monthly payments based on your credit score.

⚡

Quick Approval

An efficient application and approval process makes your boat purchase smoother and faster.

📊

High Loan-to-Value

Finance up to 90% for boats under $75,000 or 80% for boats above $75,000.

🛡️

Protection Options

Optional GAP and Credit Life Insurance available to help safeguard your investment.

Flexible Financing Options

Choose the loan terms that fit your budget and watercraft

Option 1: $5,000 – $74,999

Up to 90% loan-to-value financing
Maximum term: 84 months (7 years)
Fixed interest rate
New and used boats eligible

Option 2: $75,000 and Above

Up to 80% loan-to-value financing
Maximum term: 120 months (10 years)
Fixed interest rate
Extended terms for larger vessels

Good to Know: Warranty coverage is not available for boat loans. Actual loan amount, rate, and term depend on the watercraft value and your creditworthiness.

What Can You Finance?

We finance a wide range of watercraft for your on-the-water adventures

⛵

Sailboats

Cruising sailboats, racing yachts, catamarans, and day sailors.

🚤

Powerboats

Ski boats, wakeboard boats, cruisers, and express boats.

🎣

Fishing Boats

Bass boats, center consoles, offshore fishing boats, and jon boats.

🛥️

Pontoon Boats

Family pontoons, fishing pontoons, and luxury tritoons.

🌊

Jet Skis & PWC

Personal watercraft, wave runners, and stand-up jet skis.

🚢

Specialty Watercraft

Kayaks, canoes, and inflatable boats may qualify for our Line of Credit instead.

Getting Started is Simple

Get on the water in three easy steps

Apply Online

Complete our secure online application in just minutes

Close & Fund

Complete paperwork and receive funds to purchase your boat

Hit the Water

Start enjoying your new boat or jet ski right away

Ready to Get on the Water?

Apply for your boat or jet ski loan today

Apply Now Call (413) 733-2800

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.

Additional Information: GAP and Credit Life Insurance available. Warranty coverage is not available for boat loans. Boats must be used for recreational purposes. Membership is required — a Primary Share Account with a minimum deposit of $25 establishes membership.

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.