Boat Loans

Set sail and make waves.

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WE KEEP OUR RATES ON BOAT LOANS BELOW SEA LEVEL

Power, sail, or both. Rely on RadiFi to make your next Boat Loan application a breeze.

All Types Welcome

The choices for fun and relaxation on the water are endless. If it floats and has a title, we can finance it.

Great Rates & Terms

Don’t get anchored by a bad deal — we finance boats under 31′ in length with loan terms up to 60 months and offer extended terms of up to 120 months for new boats priced over $50,000.

EASY APPLICATION

You’ll face no headwinds here. Applications for Boat Loans are easy to submit and are processed by expert loan officers.

Boat Loan Rates

New Boats (2024-25, under 31′ in length)
Term	APR¹ as low as	Estimated Payment per $1,000 Borrowed
¹APR = Annual Percentage Rate. APRs are effective as of 04/01/2025 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. ² 72 Months: $20K minimum. ³84-108 Months: $30K minimum. ⁴120-180 Months: $50K minimum.
Term 48 Months	APR¹ as low as 7.00%	Estimated Payment per $1,000 Borrowed $23.95
Term 60 Months	APR¹ as low as 7.25%	Estimated Payment per $1,000 Borrowed $19.92
Term 72 Months²	APR¹ as low as 7.50%	Estimated Payment per $1,000 Borrowed $17.29
Term 84 Months³	APR¹ as low as 7.75%	Estimated Payment per $1,000 Borrowed $15.46
Term 96 Months³	APR¹ as low as 8.00%	Estimated Payment per $1,000 Borrowed $14.14
Term 108 Months³	APR¹ as low as 8.25%	Estimated Payment per $1,000 Borrowed $13.15
Term 120 Months⁴	APR¹ as low as 8.50%	Estimated Payment per $1,000 Borrowed $12.40
Term 180 Months⁴	APR¹ as low as 8.75%	Estimated Payment per $1,000 Borrowed $9.99

Used Boats (2018-24, under 31’ in length)
Term	APR¹ as low as	Estimated Payment per $1,000 Borrowed
¹APR = Annual Percentage Rate. APRs are effective as of 04/01/2025 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. ²72 Months: $20K minimum. ³84 Months: $30K minimum. ⁴96 Months: $50K minimum.
Term 36 Months	APR¹ as low as 7.75%	Estimated Payment per $1,000 Borrowed $31.22
Term 48 Months	APR¹ as low as 8.00%	Estimated Payment per $1,000 Borrowed $24.41
Term 60 Months	APR¹ as low as 8.25%	Estimated Payment per $1,000 Borrowed $20.40
Term 72 Months²	APR¹ as low as 8.50%	Estimated Payment per $1,000 Borrowed $17.78
Term 84 Months³	APR¹ as low as 8.75%	Estimated Payment per $1,000 Borrowed $15.96
Term 96 Months⁴	APR¹ as low as 9.00%	Estimated Payment per $1,000 Borrowed $14.65

ALL YOUR BURNING QUESTIONS ANSWERED

Pay your RadiFi loan from any other financial institution using your checking account information (your other account, routing and transit number) OR a Visa® or MasterCard® debit card.

Need help getting started? View our Quick Start Guide

Payments can be set up to be paid automatically from your RadiFi savings or checking account with flexibility in scheduling: weekly, bi-weekly, or monthly.
If you set up the system to automatically take your loan payment from your RadiFi account, the payment is processed from your account the EVENING of the requested date.

Example: You have your loan set up to pull the automatic payment on the 15th of every month. The payment will run the evening of the 15th. If the 15th happens to fall on a Sunday or a holiday, then the system will run the loan payment the next business evening.

Check out our Digital Banking guides on how to set these up your preferred way:

We do not currently offer the ability to transfer loan/mortgage payments if they are with other financial institutions. However, you can transfer funds to make RadiFi loan payments within our Digital Banking.

THERE’S EVEN MORE TO CHECK OUT…

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Our line of credit cards empower you with fair and transparent terms that generate rewards for the spending that you do every day.

Explore our Credit Cards

AUTO LOANS

Towing, commuting, or off-roading, we’re your home for financing your next vehicle with great rates and transparent terms.

Check out Auto Loans

APPLY ONLINE FOR YOUR BOAT LOAN TODAY

Apply and sign online today for your Boat Loan via an entirely digital process.

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