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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
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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

LOAN TYPE

Auto Loan (New & Used)

Term Model RangeTermAnnual Percentage Rate (APR)
2021-2023Up to 48 monthsas low as 4.99%
2021-2023Up to 84 monthsas low as 5.79%
2019-2020Up to 48 monthsas low as 5.29%
2019-2020*Up to 84 monthsas low as 6.09%
2017-2018Up to 48 monthsas low as 6.19%
2016-2018Up to 77 monthsas low as 6.89%
2015 and olderUp to 66 monthsas low as 9.09%

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.

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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?