Boat Loans: Low Rates on New & Used Boats -…

Recreational Loans

Boat Loans

Smooth sailing starts with the right financing

Turn weekends and vacations into waterborne adventures with your family and friends! Splash out on a boat of your own with Listerhill’s great deals on financing for both new and used watercraft. Our competitive boat loans feature: Low interest rates Repayment terms to fit your budget Fast application process Borrow up to 100% of your boat's cost* No application fees — ever!

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With our low-interest APRs**, a boat of your own is an investment in years of fun and relaxation.

Listerhill finances both new and used watercraft, so you can get the boat you want.

Complete an application online in as little as 10 minutes. Receive your pre-approval within days.

Finance the full cost of your boat, with no down payment required from well-qualified borrowers.

Enjoy no maintenance fee with your Listerhill membership while your loan is open.

Make payments through Online or Mobile Banking, automatic payments, or at your local branch.

Affordable Fun

With our low-interest APRs**, a boat of your own is an investment in years of fun and relaxation.

New and Used Boats

Listerhill finances both new and used watercraft, so you can get the boat you want.

Easy Apply, Fast Approvals

Complete an application online in as little as 10 minutes. Receive your pre-approval within days.

As Little as $0 Down

Finance the full cost of your boat, with no down payment required from well-qualified borrowers.

No Maintenance Fee

Enjoy no maintenance fee with your Listerhill membership while your loan is open.

Many Ways to Pay

Make payments through Online or Mobile Banking, automatic payments, or at your local branch.

Steer a Course for Adventure with Listerhill Boat Financing

Whether you’re making waves or soaking up the sun, time on the water is time well spent. With a low-rate, no-hassle boat loan from Listerhill Credit Union, getting there is easier than you think.

Here’s what you can expect with our boat loans:

Competitive Interest Rates: Enjoy lower rates than those typically offered by banks or online lenders—so more of your money stays in your pocket.
100% Financing Available: Finance up to the full purchase price of your boat and keep your savings intact.
Flexible Repayment Terms: Find a term that fits your budget with 72-180 months on new boat loans 60-180 months on used boat loans.
New and Used Boat Financing: Whether you’re buying new or used, we’ll help you find financing that fits your plans.
Local Expertise You Can Trust: As your neighborhood credit union, our local team is here to guide you through the financing process with confidence and care.

Ready to take the next step toward your boat adventures?

Recreational Loans Current Rates

Recreational Loans

Effective 8/1/2026

New Motor Homes

APR as low as (%): 8.49%

Term (Months/Years): 180 months

New Motor Homes

APR as low as (%): 7.99%

Term (Months/Years): 120 months

New Motor Homes

APR as low as (%): 6.99%

Term (Months/Years): 84 months

Used Motor Home

APR as low as (%): 8.99%

Term (Months/Years): 180 months

Used Motor Home

APR as low as (%): 8.49%

Term (Months/Years): 120 months

Used Motor Home

APR as low as (%): 7.50%

Term (Months/Years): 84 months

New Travel Trailer or 5th Wheel

APR as low as (%): 8.49%

Term (Months/Years): 180 months

New Travel Trailer or 5th Wheel

APR as low as (%): 7.99%

Term (Months/Years): 120 months

New Travel Trailer or 5th Wheel

APR as low as (%): 6.99%

Term (Months/Years): 84 months

Used Travel Trailer or 5th Wheel

APR as low as (%): 8.99%

Term (Months/Years): 180 months

Used Travel Trailer or 5th Wheel

APR as low as (%): 8.49%

Term (Months/Years): 120 months

Used Travel Trailer or 5th Wheel

APR as low as (%): 7.99%

Term (Months/Years): 84 months

Used Travel Trailer or 5th Wheel

APR as low as (%): 7.50%

Term (Months/Years): 72 months

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000

APR as low as (%): 8.24%

Term (Months/Years): 84 months

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000

APR as low as (%): 7.24%

Term (Months/Years): 75 months

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000

APR as low as (%): 6.99%

Term (Months/Years): 60 months

New Motorcycle or ATV/UTV

APR as low as (%): 7.74%

Term (Months/Years): 75 months

New Motorcycle or ATV/UTV

APR as low as (%): 6.99%

Term (Months/Years): 60 months

Used Motorcycles or ATV/UTV

APR as low as (%): 7.99%

Term (Months/Years): 60 months

New Boat

APR as low as (%): 8.49%

Term (Months/Years): 180 months

New Boat

APR as low as (%): 8.24%

Term (Months/Years): 144 months

New Boat

APR as low as (%): 7.99%

Term (Months/Years): 120 months

New Boat

APR as low as (%): 6.99%

Term (Months/Years): 84 months

New Boat

APR as low as (%): 6.74%

Term (Months/Years): 72 months

Used Boat

APR as low as (%): 9.74%

Term (Months/Years): 180 months

Used Boat

APR as low as (%): 9.49%

Term (Months/Years): 144 months

Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000)

APR as low as (%): 9.24%

Term (Months/Years): 120 months

Used Boat

APR as low as (%): 7.99%

Term (Months/Years): 72 months

Used Boat

APR as low as (%): 6.99%

Term (Months/Years): 60 months

New Waverunner or Personal Watercraft

APR as low as (%): 7.49%

Term (Months/Years): 84 months

New Waverunner or Personal Watercraft

APR as low as (%): 7.24%

Term (Months/Years): 72 months

Used Waverunner

APR as low as (%): 8.75%

Term (Months/Years): 72 months

All Recreational Loan rates, APRs, and terms are subject to change without notice. Membership eligibility is required. All loans are subject to credit approval. Actual rate and APR will be based on the borrower's creditworthiness. Additional loan terms may be available based on collateral type, loan amount, and credit qualifications. Additional eligibility requirements, terms, and restrictions may apply. Contact a Listerhill member advocate or loan officer for complete details. APR = Annual Percentage Rate.

Relationship pricing discounts are available on eligible recreational loans when requested within thirty (30) days of loan origination. Approved borrowers may qualify for a 0.25% APR reduction for each of the following: opening an Everyday or Growth Checking account; establishing direct deposit to a new or existing Listerhill account; setting up automatic payments for a new or existing Listerhill loan account; opening a Listerhill Visa® Signature Rewards or Visa® Platinum credit card; and/or refinancing a loan from another financial institution with Listerhill. Discounts may be combined for a maximum total reduction of 1.00% APR. The discounted APR cannot be reduced below 6.00% APR. Existing Listerhill loans are not eligible for refinance discounts. Offer cannot be combined with any other promotion. Additional eligibility requirements and restrictions may apply. Visit listerhill.com/relationship for complete details.

Apply for Your Boat Loan in 3 Easy Steps

Step

Apply Online
Click the button below to complete your online application.

Step

Accept Your Preapproval Offer
Agree to the loan amount, rates, and terms offered.

Step

Go Boat Shopping!
Use your check to buy your boat and get ready to head out on the water!

★★★★★

“I have been banking with Listerhill for over 2 years now and everytime I go in I'm greeted with a smile and positive attitudes.”

— Daniel P., Cullman, AL

Boat Loan FAQs

Help Center

How long will a credit union finance a boat?

Different lenders offer different terms on boat loans. At Listerhill Credit Union, our not-for-profit status allows us to offer our members a wider choice of loan terms to meet their unique needs. We offer boat loans with terms between 60 and 180 months.

How much is a payment on a $30,000 boat?

Your monthly boat loan payment depends on several factors, including the interest rate you qualify for, the loan term you choose, and any additional fees that may be included in your payment. To give you a general idea, here are a few example monthly payments for a $30,000 boat loan:

180-month term at 7.00% APR: approximately $270 per month
120-month term at 6.50% APR: approximately $340 per month
72-month term at 6.00% APR: approximately $495 per month
These examples are for illustrative purposes only and may not reflect your actual rate or payment. Your specific payment will depend on your credit profile, loan details, and final loan terms.

For a personalized estimate, use our loan calculator above or speak with a Listerhill loan specialist—we’re happy to help you explore your options.

What’s a good interest rate for a boat loan?

The interest rate you are offered depends on many factors, such as your income, length of employment, debts, credit, and the purchase price of the boat. Longer-term loans will cost more in interest over time. In the current market, Listerhill Credit Union is offering boat loans with APRs between 6.99% and 8.74%.

What is the typical loan term for a boat?

Boat loans usually have longer terms than auto loans, since boats often come with a higher purchase price. While longer loan terms can mean lower monthly payments, they may also result in more interest paid over the life of the loan. At Listerhill Credit Union, we offer boat loan terms ranging from 60 to 180 months, giving you the flexibility to choose a term that fits your budget and financial goals. The loan term you select will impact both your monthly payment and the total amount of interest you pay over time.

Are boat loans hard to get?

Boat loans aren’t necessarily hard to get, but they can be different from auto loans. Because boats are considered a recreational purchase, lenders may evaluate applications a bit more carefully than they do for vehicles used for daily transportation.

As a result, loan terms for boats can also be higher than those charged for cars. Your approval and interest rate will depend on factors like your credit score, income, debt-to-income ratio, and the type of boat you’re financing. At Listerhill Credit Union, we take a personalized approach—working with you to find financing options that fit your financial picture and help make boat ownership more accessible.

What’s a good credit score for a boat loan?

Lenders look at several factors when deciding whether to extend credit, including your credit score. As a result, there is no specific score needed to get approved for a boat loan. That said, a score of about 680-700 is generally considered good for being approved for a loan with a reasonable interest rate. You’ll pay less interest if you have a higher credit score, while those with excellent credit will qualify for the best available rates.

How do I get approved for a boat loan?

Getting approved for a boat loan starts with applying for pre-approval at Listerhill Credit Union. You’ll need to become a member to apply, and there’s no application fee.

You can complete your loan application online, over the phone, or at a Listerhill branch—whatever’s easiest for you. During the application process, we’ll ask for basic information about your income, employment, and existing financial obligations so we can recommend the best options for your situation.

In most cases, Listerhill is able to review and process boat loan applications within a few business days, helping you move forward with confidence.

Additional Products

Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

What’s It Worth?

Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.

How Much Can You Afford?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

View Calculators

Vehicle and loan on the spot.

When you purchase your new or used recreational vehicle at a participating dealership, you can finance your vehicle through Listerhill and complete your transaction on the spot. All of the paperwork is taken care of at the dealership. You enjoy the same great Listerhill rates and services without an additional trip to your local branch.

Find A Dealership Near You

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