Hit the Open Water

Buying a boat has never been easier. When you apply, you can either let us know what you want or get pre-approved while you shop around. Either way, we want to help you get into the watercraft of your dreams!

How to Apply

It’s as easy as 1, 2, 3!

Step One

Apply Online

It only takes 5 minutes to complete our easy-to-use, secure application.

Step Two

Get Your Approval

Have your approval emailed to you or pick it up at a branch location.

Step Three

Go to Your Dealer

Take your approval letter to the dealership and close the deal on your new boat!

Boat Loan Rates

New boats and watercrafts: Maximum loan amount is up to 100% of purchase including tax, title, and license.
Used boats and watercrafts: Maximum loan amount is up to 100% of J.D. Power retail value including options

Annual Percentage Rate15 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 5.99% Up to 60 months $7,500 and under $18.97
As low as 6.24% Up to 72 months $7,501 - 15,000 $16.42
As low as 6.49% Up to 120 months $15,001 - 25,000 $11.23
As low as 6.74% Up to 132 months $25,001 - 35,000 $10.64
As low as 6.99% Up to 144 months $35,001 and greater $10.18

Calculate Your Monthly Payment

Get estimated rates and monthly payments that work for you.

How much do you need to borrow?

Down Payment Amount

For How Many Months?


** Calculator uses floor rate to calculate monthly payments. Rates may differ depending on borrower creditworthiness and underwriting factors.

Your Estimated Monthly Payment Is $536.33 with as low as 5.99% APR15


Boat Loan Features

    Low Payments

    Low Rates

    Flexible Terms

    Quick & Easy Loan Application

    Personal Service

    Pre-Approval Available

Protect your boat with Guaranteed Asset Protection

Stay covered even if your current insurance does not pay for your entire loss in the case of an accident or theft. First Service’s Guaranteed Asset Protection (GAP) will pay off the rest of your loan if the cash value of your vehicle is less than your remaining balance, so you don’t get stuck paying the difference.14

Ask your loan officer how to add GAP coverage.