a group of people on a boat

Boat Loans

Low-rate boat loans with flexible repayment options.

Boat Loan Rates as Low As

APR Effective 5/13/2024*



*See important information about rates, fees and other costs

Get ready to hit the high seas (or maybe just a nearby lake) with boat loans that have no application fees, flexible repayment terms, and easy online account access. Use our Vessel Loan Checklist (PDF) to help you during your boat purchasing process.

Thinking of Refinancing Your Boat Loan?

If you already have a boat loan, you can take advantage of great BECU rates when you refinance. Compare loan options with our Loan Comparison tool. For more information on boat loan refinancing, visit a BECU Neighborhood Financial Center.

Use our calculators to figure your boat payments and determine your best loan option.

Earn a Better Rate

We periodically evaluate the credit rating of each member who has a credit card, personal line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you've improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate). We'll update your APR and let you know.

Loan Payment Protection Program

The Loan payment protection program (LPP) provides financial assistance during times of hardship. LPP is an optional benefit offered through BECU.

  • Provides minimum monthly [credit card] payments in case of involuntary job loss, disability or loss of life
  • Monthly program cost is based on loan balance and package options

To apply, call us at 800-233-2328 and ask about getting LPP added to your loan. View the Consumer Loan Payment Protection Contract.