Boat Loans

Boat and Watercraft Loans

Low rates, flexible terms, and a quick and easy online application will have you out on the water in style.

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Applying online is fast and easy.

Should you have any questions or need assistance, please reach out to us:

Phone: 410-584-7474

Email: [email protected]

Representatives available
Mon-Fri: 9AM-5PM

Boat and Watercraft Loan Benefits

Whether you want a powerboat, sailboat, or personal watercraft, we have rates and terms too good to pass up.

Competitive Rates

Financing that makes owning a boat affordable.

Flexible Terms

Perfect loan terms to fit your budget- up to 72 months financing.

Easy Online Financing

Easy online application that takes minutes to complete.

Boats and Motorcycle Loans


APR as low as*

Monthly Payment per $1,000

*APR = Annual Percentage Rate. Actual rate will vary based on credit review and income. Advertised as low as rate includes a rate discount of 1.00% for having a checking account with a direct deposit established totaling at least $1,500 per month to an AFFCU account and have automatic loan payment transfers setup from an AFFCU account.


Up to 60 months

APR as low as*


Monthly Payment per $1,000



72 months

APR as low as*


Monthly Payment per $1,000


Boat and Watercraft Loan Payment Calculator

Boat Loan Calculator

  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number from 1 to 360.
  • Please enter a number from 1 to 10.


Boat and Watercraft Loans Have Never Been Easier



Complete our easy and secure online application.


Get Pre Approved

You’ll get your pre-approval in minutes.


Buy Your Boat

Buy your watercraft and finalize your loan.

I have been with Atlantic for over 25 years. They help me when I need it, and the rates on loans are the best. I recommend if you’re looking for a bank to help you and not rob you, this is the one!

— Tami H.

Boat and Watercraft Loan FAQs

We finance all types of power and sailboats, including pontoon boats, catamarans, electric boats, and more. We also finance personal watercraft like Jetskis and Sea-Doos.

We consider your credit score, income, and loan repayment history, and the boat you want to finance during the loan approval process.

Our loan approval process is quick and easy. Once you apply for a loan, we’ll let you know if you’ve been approved within 48 hours.

You can make your monthly loan payment in a number of ways. You may mail us a check, transfer funds from your AFFCU accounts to your loan as payment, use your financial institutions’ online bill pay system, or pay by card (fees apply).

No. We never penalize members for paying off loans early.

Contact Us And Get Started

Contact Us
Contact Us
Apply online
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Call us

(410) 584-7474

Other Atlantic Financial Vehicle Loans

Auto Loans

Unbeatable rates and terms, whether you’re buying a new or used car or even refinancing your current auto loan.

Motorcycle Loans

It’s time to feel the wind in your face with our quick and easy motorcycle loans. Great rates and flexible loan terms make owning a bike easy.

ATV & UTV Loans

Fun is calling. Get out and play with low rates and a hassle-free ATV or UTV loan from Altlantic Financial Federal Credit Union.