Boat & Watercraft Loans

Jump in and make a splash with an Idaho Central Boat & Watercraft Loan. Before you know it, you’ll be relaxing and making waves with your new boat or jet ski out on the lake. Let’s get started!

Family playing in the water


You want to make a splash and cool off with a boat or jet ski.

Simple to Finance & Amazing Rates

At Idaho Central, we believe in making our financing options simple and easy. That’s why when you have Idaho Central Boat & Watercraft Loan, you’ll receive the service you deserve so you can go enjoy that water fun!

  • Low, affordable interest rates
  • Quick loan decisions
  • Local, friendly service

Term Options

Up to 180 months


No loan application fees

Auto Rebate vs. Low Interest Financing Calculator

Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. A rebate will reduce your auto loan balance, while low interest financing lowers your monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Boat and Watercraft Rates

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term120 Interest Rate9.840%
Age of Vehicle2021 or newer Loan Term144 Interest Rate10.290%

*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.

Rates valid for Monday, March 4 2024

Know Your Boat’s Value

It’s important to know your boat’s market value. Do a little research and be sure you are paying a fair price. Or, if you need to sell your old boat first, make sure you aren’t missing out on money in your pocket. Either way, knowing your boat’s value will make you prepared to buy or sell.

Need to update your vehicle insurance? Learn more!

Let’s Get Your Watercraft Loan Application Started

Let us know how you are planning on purchasing or refinancing your watercraft vehicle, so we can fine-tune our loan options to fit your needs.

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How