Father and son on boat


Drop anchor or set sail with boat financing options for new and used boats with Christian Financial. Plus, skip one payment per year, fee free.

Boat Loan Terms

Our experts can pair you with better rates than a boat loan from a bank. We have low rate financing options available with terms up to 240 months.

Getting a Boat Loan

Use our online boat loan application to apply in 5 minutes or less. Still looking for the perfect boat? Our partner dealerships can help you find the boat of your dreams! 

Just getting started? Visit our boat payment calculator to see what that watercraft will really cost you.

Effective September 27, 2023

Boats & Recreational Vehicle Loans

(Boats, RVs, Travel Trailers, Motor Homes, Mobile Homes)

Loan Amount Max Term APR*
Any amount Up to 120 months 5.99%
$50,000 - $74,999 Up to 180 months 6.74%
$75,000 and Above Up to 240 months 6.99%


*APR = Annual Percentage Rate. Rates shown are the best available, require automatic payments, are based on credit history, and subject to change without notice. Loans requested for more than 80% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details. For example, for a loan of $35,000 at 120 months with an interest rate of 5.99% APR, the payment will be $388.40. **Loan must be current (cannot be delinquent) to qualify for free annual Skip a Payment. Recreational vehicles only. Excludes loans written to covered borrowers under the Military Lending Act. The skipped payment will be added to the end of the loan and will extend the maturity date of the loan. If a scheduled payment for the loan has been set up through Online Banking or initiated by the member at another financial institution, the member is responsible for canceling the scheduled payment. Eligible loans may skip only one payment per calendar year. Recreational Vehicles that skip a payment are not eligible for the Holiday Skip a Payment program. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest.