Earn 2.02% APY* on Wellby Savings Plus Jumbo Deposits *Learn More

Earn 4.33% APY* on a 27-month Certificate and Make Your Savings Soar Even More! *Learn More

Wellby Financial

Boat and Watercraft Loan

Set sail toward your financial dreams with our competitive rates.

a new boat on a scenic adventure across the water on a sunny day which is waiting for you thanks to a Wellby boat loan
a Wellby boat loan application showing approved and the dream boat you can own with your approved loan

Boat Loans That Won't Break Your Budget

Whether you’re after a catamaran or a speedboat, we’ll help you determine which loan option best fits your budget and monthly payment goals.  

a monthly calendar with different dates marked and a purple cog wheel showcasing flexible terms available for a Wellby boat loan

Flexible Terms

Own your boat on your terms. Choose from a variety of term lengths that work best for your goals

Send Payments While on Deck

Manage your payments online, from wherever your adventures take you. 

a percent sign with a downward arrow showing the competitive rates that are available for your boat loan that can help save you money on interest

Competitive Rates

As a member-focused not-for-profit organization, we return our profits to our members through lower loan interest rates. 

Auto Loan (New & Used)

Motorcycle Loan

Boat & Watercraft Loan

Recreational Vehicle Loan

ATV Loan


Auto Loan (New & Used)

Term Model RangeTermAnnual Percentage Rate (APR)
2020-2023Up to 48 monthsas low as 3.99%
2020-2023*Up to 84 monthsas low as 4.79%
2017-2019Up to 48 monthsas low as 4.29%
2017-2019Up to 77 monthsas low as 4.89%
2013-2016Up to 48 monthsas low as 5.29%
2013-2016Up to 72 monthsas low as 5.89%
2012 and olderUp to 66 monthsas low as 7.79%

Apply for Your Boat Loan

It’s smooth sailing from here. Apply for your boat or watercraft loan today with our easy online application.

Boat & Watercraft Loan FAQs

Learn more about your Wellby boat & watercraft loan options.

Learn More

Common Questions

How many months can I finance a boat loan?
Can I apply for a loan if I haven’t found a boat yet?
How do I know if my boat loan is approved?