Boat Loans

Regular Savings Accounts

BOAT LOANS

Rates as low as 7.24% APR*

Experience the freedom of the open water as the captain of your own boat! Apply for boat financing today to make new memories with friends and family on the Columbia River, Crater Lake, the Willamette River, Lake Chelan, and other exciting destinations in Washington, Oregon, and beyond.

BOAT LOANS

Rates as low as 7.24% APR*

Experience the freedom of the open water as the captain of your own boat! Apply for boat financing today to make new memories with friends and family on the Columbia River, Crater Lake, the Willamette River, Lake Chelan, and other exciting destinations in Washington, Oregon, and beyond.

Set sail with affordable boat financing.

Competitive Rates

Anchor your savings with our competitive rates! Save money on the total cost of your loan and have more to spend on your boating adventures.

Flexible Terms

With terms up to 180 months, we’ll work with you to get the best term for your budget to ensure affordable monthly payments.

Personalized Service

We want to help you buy the boat of your dreams! We’ll support you every step of the way and beyond during the boat financing process.

Additional Details

Chart a course toward boat ownership! We can help you save money and get in the water fast. Features of our boat loans include:

  • Affordable payments: Our competitive boat loan interest rates and flexible terms make boat ownership work for many budgets.
  • Finance new and used boats: Whether you’re eyeing the latest model or a well-loved classic, we can help you hit the water fast in the boat of your dreams.
  • Local loan decisions: All of our loan decisions are made locally for a more personalized experience.
  • Quick loan approvals: Spend less time waiting on loan approval and more time on boating adventures — like cruising the Columbia River at sunset, past the majestic Vancouver waterfront!
Are you ready to make waves with a boat of your own? Click below to apply for a boat loan and start creating new memories on the open water.

Additional Details

Chart a course toward boat ownership! We can help you save money and get in the water fast. Features of our boat loans include:

  • Affordable payments: Our competitive boat loan interest rates and flexible terms make boat ownership work for many budgets.
  • Finance new and used boats: Whether you’re eyeing the latest model or a well-loved classic, we can help you hit the water fast in the boat of your dreams.
  • Local loan decisions: All of our loan decisions are made locally for a more personalized experience.
  • Quick loan approvals: Spend less time waiting on loan approval and more time on boating adventures — like cruising the Columbia River at sunset, past the majestic Vancouver waterfront!
Are you ready to make waves with a boat of your own? Click below to apply for a boat loan and start creating new memories on the open water.

WHY CHOOSE COLUMBIA CU?

Rooted in community, focused on you

Columbia Credit Union is a trusted partner for all of your banking needs. Just a few of the benefits of membership include:

  • Member-owned: Columbia Credit Union’s members are the owners, and our top priority is providing exceptional service to help you achieve your goals.
  • Local branches:We’re always close by if you need us. We’re conveniently located in Vancouver, Washington, and Portland, Oregon.
  • Community-focused: As a local organization, we want to see the region thrive! We support local businesses and initiatives to ensure a stronger, more vibrant community for everyone.
  • Competitive rates and fees: We’re a not-for-profit organization, so we don’t have to worry about earning profits for distant investors. That’s why credit unions often have the best boat loan rates and the lowest fees.

Ready to take advantage of the benefits of credit union membership? Click below to experience personalized service that puts your needs first.

WHY CHOOSE COLUMBIA CU?

Rooted in community, focused on you

Columbia Credit Union is a trusted partner for all of your banking needs. Just a few of the benefits of membership include:

  • Member-owned: Columbia Credit Union’s members are the owners, and our top priority is providing exceptional service to help you achieve your goals.
  • Local branches:We’re always close by if you need us. We’re conveniently located in Vancouver, Washington, and Portland, Oregon.
  • Community-focused: As a local organization, we want to see the region thrive! We support local businesses and initiatives to ensure a stronger, more vibrant community for everyone.
  • Competitive rates and fees: We’re a not-for-profit organization, so we don’t have to worry about earning profits for distant investors. That’s why credit unions often have the best boat loan rates and the lowest fees.

Ready to take advantage of the benefits of credit union membership? Click below to experience personalized service that puts your needs first.

BOAT LOAN

How to Apply for a Boat Loan

  • Apply Online: Click the link below or stop by a branch to start the process.
  • Submit the Application: It only takes a few minutes to complete our short application.
  • We’ll Contact You: We’ll review your application, crunch the numbers, and reach out to you with a loan decision.

BOAT LOAN

How to Apply for a Boat Loan

  • Apply Online: Click the link below or stop by a branch to start the process.
  • Submit the Application: It only takes a few minutes to complete our short application.
  • We’ll Contact You: We’ll review your application, crunch the numbers, and reach out to you with a loan decision.

★★★★★

"Very happy with the services offered by Columbia CU. Staff is always very friendly and helpful. Would highly recommend them."

Claire N.
Columbia Credit Union app icon displayed on a tablet and smartphone

Apply in Digital Banking.

Your reduced rate could be a tap away.

FAQs

Many different types of boats can be financed including sailboats, fishing boats, pontoons, catamarans, trawlers, cruisers, and others.

Yes, many used boats can be financed depending on their age, condition, and value. The rates for used boat loans are typically higher than the rates for new boats, however.

No, to finance a jet ski or other personal watercraft, you’ll need to apply for a Personal Watercraft & Jet Ski Loan. Our Personal Watercraft Loans are designed with terms and conditions specifically suited to this type of purchase.

Absolutely! We’ll do a preliminary review of your financial information and give you an estimate of how much you can borrow. Pre-approval can be helpful when negotiating with sellers, and it also helps you focus on the boats you know you can afford.

Columbia Credit Union membership is open to individuals and businesses in Washington State and in the Oregon communities of Clackamas, Marion, Multnomah, and Washington Counties (and to the families of eligible individuals).

More ways we can serve your banking needs

Auto Loan Refinance

Take advantage of a better rate or a different loan term to save money or lower your monthly vehicle payments. Get a new loan that works for your budget!

RV Loans

Whether you’re hitting the open road for a weekend getaway or embarking on a cross-country journey, we can help you drive away in your own home on wheels.

Credit Cards

Enjoy low rates, high rewards, and global travel benefits. Plus, take advantage of no balance transfer fees and 0% interest for 12 months—we have a credit card for everyone.

*APR=Annual Percentage Rate. APRs range from 7.24% to 12.99%. The APR you qualify for is based on repayment period, your credit qualifications including residential status, credit and employment history and your vehicle’s value, year and mileage if applicable. Refinances only available from other lenders. Payment example: If you borrow $30,000 for 120 months at 7.99% APR, your monthly payment would be $363.82.

Lowest APRs in each range include Checking Relationship Plan discount which provides a qualifying rate discount of .25% APR for automatic loan payments from Columbia CU checking. Within 60 days of loan closing, Auto Pay can be set up via automatic transfers from your Columbia CU checking to your loan with either the assistance of a Columbia CU representative or by setting up recurring transfers in Columbia CU’s Online Banking. Relationship Checking Plan discount is not available for loans; financed at the dealership, lines of credit, credit card, savings/certificate-secured loans, mortgages, home equity loans and business loans.

Maximum loan is $50,000. Contact us for other borrowing options for larger loan amounts.

Membership required to borrow. Columbia Credit Union may offer other rates in the future.