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


Get pre-approved for a boat loan. Apply online today. It only takes five minutes to complete our easy-to-use, secure application.

Step Two


Choose to have your approval and blank check mailed (we can overnight it to you) or pick it up at a branch location.

Step Three


Shop around with your Express Check and select the boat you want. Agree on a price with the dealer, fill out the check, and leave happy.

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 7.89% Up to 60 months $7,500 and under $20.24 per month per $1,000
As low as 7.89% Up to 72 months $7,501 - 15,000 $17.49 per month per $1,000
As low as 7.89% Up to 120 months $15,001 - 25,000 $12.09 per month per $1,000
As low as 8.14% Up to 132 months $25,001 - 35,000 $11.50 per month per $1,000
As low as 8.39% Up to 144 months $35,001 and greater $11.05 per month per $1,000

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.