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Belco's Online Banking

Ready to secure a boat loan, but not sure where to begin? It’s not always easy finding the right financing for your needs, and even less easy to discover the rates, terms, and benefits that work best for you. Belco Community Credit Union changes all that, offering incredible savings and benefits to members looking to save.

Boat loans from Belco offer features such as:

  • Flexible term lengths
  • Up to 110% financing based on registered MSRP numbers
  • Fast pre-approval and approval rates
  • Electronic payment services including online bill pay, transfers, and more
  • Debt Protection Insurance, GAP Insurance, and other forms of preventative insurance

Apply Now

Boat Loan Rates

Check out our incredible rates for boats both new, and new-to-you.

New Loans (2021 and newer)* APR* starting at:
$3,000 or less 24 Months 7.99%
$3,001 or over 36 Months 7.99%
$6,000 or over 48 Months 7.99%
$10,000 or over 60 Months 8.24%
$12,000 or over 72 Months 8.24%
$15,000 or over 84 Months 8.74%
$25,000 or over 120 Months 8.74%
$35,000 or over 180 Months 9.49%


Used Loans (up to 15 model years)* APR* starting at:
$3,000 or less 24 Months 8.99%
$3,001 or over 36 Months 8.99%
$6,000 or over 48 Months 8.99%
$10,000 or over 60 Months 9.24%
$12,000 or over 72 Months 9.24%
$15,000 or over 84 Months 9.24%
$25,000 or over 120 Months 9.74%
$35,000 or over 180 Months 10.49%

Boat Loan Calculator

Use the Belco Community Credit Union boat loan calculator to determine interest rates, optional protection fees, and monthly payment amounts.

Boat Loan FAQs

Q: Can I refinance my previous boat loan through Belco Community Credit Union?

A: Belco members are eligible to refinance their boat loans after the initial purchase. However, it is important to determine if a refinance is right for you before moving forward.

Q: What is the difference between a used boat loan and a new boat loan?

A: New boat loans include any model from 2019 or newer. Boats within a range of 15 model years from 2019 are considered used.

Q: How big of a boat can I get a loan for?

A: Belco Community Credit Union offers financing for boats up to 25 feet in length. For answers to your specific boat questions, please call our member help center at (800) 642-4482.

Apply For A Boat Loan Today

Explore the financing possibilities for boats old and new with an incredible boat loan from Belco Community Credit Union!

Apply Now

*APR=Annual Percentage Rate. Rates quoted include LTV up to 100%. Rate may differ depending upon credit worthiness, LTV, loan amount, and term of the loan. Rates are subject to change at any time without prior notice. New vehicle rates apply to vehicles with 5,000 or fewer miles. Refinance of a Belco account requires a minimum of $5,000 in new money.