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Routing # 211885946

Boats & Jet Skis Loans

Turn your recreational dreams into reality with competitive financing for boats, RVs, motorcycles, ATVs, and more

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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 for wind-powered adventures

🚤

Powerboats

Ski boats, wakeboard boats, cruisers, and express boats for speed and versatility

🎣

Fishing Boats

Bass boats, center consoles, offshore fishing boats, and jon boats for angling enthusiasts

🛥️

Pontoon Boats

Family pontoons, fishing pontoons, and luxury tritoons for relaxing on the water

🌊

Jet Skis & Personal Water Craft

Personal watercraft, wave runners, and stand-up jet skis for high-energy water sports

🚢

Specialty Watercraft

Kayaks, canoes, inflatable boats, and other unique water vessels can take advantage of our Line of Credit options

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 rates
  • ✅ New and used boats eligible
  • ✅ No prepayment penalties
Option 2: $75,000 and Above
  • ✅ Up to 80% loan-to-value financing
  • ✅ Maximum term: 120 months (10 years)
  • ✅ Extended terms for larger boats
  • ✅ Competitive rates for luxury vessels
  • ✅ Flexible payment options

Why Choose Pioneer Valley Credit Union for Your Boat Loan?

Member-owned, community-focused financing with competitive rates and personalized service

💰

Competitive Fixed Rates

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

Quick Approval Process

Efficient application and approval process makes your boat purchase smoother and faster

🛡️

Flexible Terms

Choose repayment periods that fit your financial situation - up to 84 or 120 months depending on loan amount

📊

High Loan-to-Value

Finance up to 90% for boats under $75K or 80% for boats above $75K

🔒

Protection Options

GAP and Credit Life Insurance available to safeguard your investment

🏆

Member Benefits

As a credit union member, you own a share of the institution and enjoy exclusive benefits

Endless Water Adventures Await

Your boat or jet ski opens up a world of exciting activities

🎣

Fishing

From bass fishing to deep-sea adventures

🏄

Water Sports

Skiing, wakeboarding, and tubing fun

🧘

Relaxation

Peaceful cruising and sunset watching

👨‍👩‍👧‍👦

Family Time

Creating memories with loved ones

🏝️

Exploration

Discovering hidden coves and beaches

🏁

Motorsport Excellence

High-speed thrills and performance

Calculate Your Payment

Get an estimate of your monthly payment with our easy-to-use calculator

Payment Calculator

Use our online calculator to estimate your monthly payments based on your boat price, down payment, and loan terms.

Use Payment Calculator

Your Complete Boat Buying Guide

Navigate the boat buying process with confidence using our expert guidance

1

Determine Your Budget

Calculate total ownership costs including insurance, maintenance, storage, and fuel beyond just the purchase price

2

Choose Your Boat Type

Consider your intended use: fishing, water sports, cruising, or sailing to select the right vessel

3

Get Pre-Approved

Secure financing first to strengthen your negotiating position and streamline the buying process

4

Research & Inspect

Research market values, inspect thoroughly, and consider a marine survey for used boats

5

Negotiate & Purchase

Use your pre-approval to negotiate confidently and complete the purchase with proper documentation

6

Insure & Register

Secure appropriate marine insurance coverage and complete state registration requirements

💡 Pro Tip: Consider Total Cost of Ownership

Budget 15-20% of the boat's value annually for maintenance, insurance, storage, and fuel costs

Simple Application Process

Get approved quickly with our streamlined process

Apply Online and Get Approved

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 and making memories on the water

What Our Members Say

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!"

- Sarah M., Springfield

"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!"

- Mike R., Westfiel

Frequently Asked Questions

Get answers to common questions about boat and jet ski financing

What types of watercraft can I finance?
You can finance new and used boats including powerboats, sailboats, fishing boats, pontoon boats, and personal watercraft (jet skis). All boats must be for recreational use.
What are the loan amount limits?
Loan amounts range from $5,000 to $74,999 (up to 90% financing, 84 months max) or $75,000 and above (up to 80% financing, 120 months max). Your actual loan amount depends on the boat value and your creditworthiness.
What loan terms are available?
We offer flexible terms up to 84 months for boats under $75,000 and up to 120 months for boats over $75,000, allowing you to customize your payment to fit your budget.
Is warranty coverage available?
Warranty coverage is not available for boat loans. However, we do offer optional GAP and Credit Life Insurance to help protect your investment.
Do I need to be a member to apply?
Yes, you must be a PVCU member to receive a loan. Membership is open to those who live, work, or attend school in our service area. A $25 share account establishes membership.
Can I finance a used boat or jet ski?
Yes! We finance both new and used watercraft. The age and condition of the boat may affect your rate and terms, but we work with a wide range of boat ages and types.

Ready to Get on the Water?

Apply for your boat loan today and start your next aquatic adventure

Contact Our Lending Team

📞 Phone: (413) 733-2800

📧 Email: loans@pvcu.com

Monday-Friday: 9:00 AM - 5:00 PM

Apply Online Now

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