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America First has low-rate financing options for your complete financial needs.


Rock the Boat!

You want to spend your time out on the water, not shopping for the best loan rates and terms. Let America First Credit Union handle your complete financing needs. Then you can worry about more important things, like it's about time they open the marina an hour earlier!

Boats & Small Watercraft

  • Boats, WaveRunners, Jet Skis and more.
  • Flexible terms and affordable rates.
  • Online preapprovals available.

Are You Paying Too Much?

Ask us about refinancing your high-rate Watercraft Loan.

Monthly Payment

Boat Loans - Frequently Asked Questions

No, rates are based on borrower qualifications, creditworthiness, boat type, and the loan product selected (simple interest or balloon). Some watercraft, such as houseboats, yachts, pontoon boats, and others, are financed at higher rates due to the specialized nature of the collateral.

America First requires a lien on the boat, trailer, and motor (if outboard). Liens are legal claims to the property until loans are paid back in full.

Generally, JD Power—a data analytics company—is used to find boat, trailer, and other vehicle values. In some circumstances, a licensed, third-party marine survey company is used.

No. Some states require UCC (Uniform Commercial Code) filings instead. Also, some boats don’t have titles, but rather require registration with the U.S. Coast Guard. These are called preferred ship mortgage loans. Lastly, not all states register boats through their motor vehicle departments. In Nevada, for example, boats are registered through the Department of Wildlife.  

Start Today

Online preapprovals are here. You can also call 1-800-999-3961 or visit any branch and ask for details.