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Boat Loans

Make memories out on the water.

Nothing is more Minnesotan than a day on the lake, right? Whether you're looking for a state-of-the-art fishing boat, a speed boat, or a large pontoon to drop the anchor and relax the day away, HomeTown Credit Union has you covered. We offer Boat Loans for new and used boats as well as refinancing options for boats you already own. And with our low rates, we can save you a boatload!

Take the plunge and create infinite memories out on the lake.

  • Qualified borrowers can finance up to 100% of the purchase price of their boat plus tax, title, and license fees as well as add on protection like extended warranties and GAP protection
  • Terms up to 180 months in length depending on the year of the boat, the amount financed, and the borrower’s credit score
  • Available automatic payments provide a hassle-free way to ensure your payment is made every time, on time
  • Competitive, low rates and flexible terms
  • Personalized, quick service

Payment Example: A 60-month, $20,000 Boat Loan at 7.24% APR could cost you as low as $399 per month!*

Apply for a Boat Loan   Check Boat Loan Rates

*Rates subject to change and are based on creditworthiness. 7.24% APR rate is based on 2021 or newer boat model with 60-month term. No minimum term required, but maximum term is 180 months. No maximum loan amount, but minimum loan amount is $100.00. Late payment fees of $25.00 and processing fees may apply and would be above and beyond the initial monthly loan cost. Contact the credit union for full details.


Featured Rates