Boat Financing and Loan Options

One of the best parts about living in Florida is being able to enjoy the water all year long. It’s even better when you have your own boat or personal watercraft to take out. Our boat loans can help you get the financing you need with low rates and no application fee or pre-payment penalty.

Select a Service:

  • Explore Boat Loan Rates

    Find a boat loan to meet your needs so you can start enjoying the water whenever you want. Check out our boat loan rates below.

Choose a Product:

APR*
as low as

APR*
as low as

Annual Percentage Rate

Rate Type

Rate Type

Fixed or Variable

Max Term**

Max Term**

New Boat/Motor/Trailer 144 mos.

APR*
as low as

5.750 %

Rate Type

Fixed

Max Term**

144 mos.

Used Boat/Motor/Trailer 144 mos.

APR*
as low as

5.750 %

Rate Type

Fixed

Max Term**

144 mos.

Additional Information

  • New Boat/Motor/Trailer
    • Suncoast boat loans for financing boats, motors, trailers and personal watercraft.
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee. No prepayment penalty.
    • Requires automatic payment method; coupon payments will result in a higher rate.
    • Present calendar year model and previous three calendar year models.
    • Personal watercraft 60 months maximum.
    • Payment Example: 144 payments of $9.66 per $1,000 borrowed based upon a 5.75% APR.
    • Not available for Boats being used as a primary residence.
  • Used Boat/Motor/Trailer
    • Suncoast boat loans for financing boats, motors, trailers and personal watercraft.
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee. No prepayment penalty.
    • Requires automatic payment method; coupon payments will result in a higher rate.
    • Four to seven calendar year models as of January 1.
    • Personal watercraft 60 months maximum.
    • Payment Example: 144 payments of $9.66 per $1,000 borrowed based upon a 5.75% APR.
    • Not available for Boats being used as a primary residence.
drive-green

Drive Green

drive-green

When you decide to go green, you qualify to receive an auto loan rate as low as 2.50% APR1 loans that will spare the planet and your wallet.  “Green Cars” are vehicles with a combined EPA rating of 28 MPG or greater or electric vehicles.

Visit fueleconomy.gov under the U.S. Department of Energy for listings of qualified vehicles.

1Annual Percentage Rate effective 11/23/2020; subject to change, subject to term and credit approval; requires automatic payment method from a Suncoast account, eStatements and/or Credit Card eStatements and financing of a qualified new vehicle (current model year only) with a combined EPA rating of 28 MPG or greater or a qualified new (current model year only) electric vehicle. This rate is only available on loans secured directly from Suncoast Credit Union; loans secured through a dealer will not receive this low rate. Existing Suncoast loans not eligible for refinance at this rate. Valid on terms up to 84 months. Only qualified refinances from other financial institutions are eligible to receive this rate discount.