Jet Ski & Personal Watercraft Loans: Low…

Recreational Loans

Jet Ski & Personal Watercraft Loans

Make a Splash with the Right Financing

Get on the water faster with financing you can trust. Unleash the good times with a jet ski or Waverunner of your very own, with Listerhill’s great deals on financing for both new and used personal watercraft. Our competitive jet ski loans feature: Low interest rates Repayment terms to fit your budget Fast application process Borrow up to 100% of your personal watercraft's cost* No application fees — ever!

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With our low-interest APRs**, a jet ski of your own is an investment in years of fun and adventure on the water.

Listerhill finances both new and used personal watercraft, so you can get the jet ski you want.

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

Finance the full cost of your personal watercraft, 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 – Jet Ski

With our low-interest APRs**, a jet ski of your own is an investment in years of fun and adventure on the water.

New and Used Watercraft

Listerhill finances both new and used personal watercraft, so you can get the jet ski 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 – Jet Ski

Finance the full cost of your personal watercraft, 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.

Make a Splash with Listerhill Jet Ski 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 jet ski loan from Listerhill Credit Union, getting there is easier than you think. Here’s what you can expect with our jet ski 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 personal watercraft and keep your savings intact.
Flexible Repayment Terms: Find a term that fits your budget with up to 84 months on new personal watercraft loans up to 72 months on used personal watercraft loans.
New and Used Watercraft 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 watercraft 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 Jet Ski 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 Shopping!
Use your check to buy your jet ski 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

Jet Ski Loan FAQs

Help Center

What does Annual Percentage Rate (APR) mean?

The Annual Percentage Rate or APR represents the total annual cost of your loan, including both the interest rate and any applicable fees. It provides a fuller picture of what you’ll actually pay over the life of your loan. When comparing loan offers, the APR makes it easier to determine which option is the best fit for your budget.

What is a personal watercraft loan?

A personal watercraft loan provides you with cash you can use to buy a jet ski, Waverunner, or another type of small watercraft. Interest is charged on the money you borrow at an agreed rate, and the loan amount plus interest is repaid with loan payments over a predetermined term.

What credit score do you need to buy a jet ski?

Most lenders require a credit score of 600 or higher to finance a jet ski or other personal watercraft, though scores above 670–700 typically achieve better interest rates.

How long is a jet ski loan?

At Listerhill Credit Union, we finance new jet skis for up to 84 months and second-hand personal watercraft for up to 72 months.

Is owning a jet ski expensive?

A new jet ski can have a purchase price anywhere between $5,000 and $20,000. It’s also necessary to buy associated equipment, including a trailer and towing accessories, which can also add up to several thousand dollars.

Is it hard to get a jet ski loan?

Jet ski loans are usually relatively easy to get, but it does depend on factors such as the value of the watercraft you are buying, as well as the loan term you are seeking.

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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