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TDECU Boat Loans

TDECU Boat Loans

Make a splash with rates starting at 5.25% APR1

Put yourself in the captain’s seat with affordable financing

Buying a boat is a big decision. And like with any big purchase, finding the right lender plays an important role in that decision. In addition to lower down payments and flexible loan terms, the right lender makes the financing process quick and easy.

At TDECU, we get it. We want to get you in the captain’s seat as quickly as possible — with the right boat loan that fits your budget. Our boat loans not only come with flexible loan terms to help lower your monthly payment, but also include:

  • No money down options
  • Rates starting as low as 5.25% APR1
  • No payments due for 90 days2

So what are you waiting for? Now is the time to get out on the water in a boat of your very own!

A TDECU Boat Loan features these benefits:


Payments for 90 Days 2

As low

Annual Percentage Rate 1


Money Down Options

Loan terms up to 72 months

Discounts for recurring direct deposit of $250 or more

No hidden fees, costs, or early payoff penalties

Refinance options available for boat loans financed through other lenders

Ready to make waves and purchase a boat of your own? We’re excited to help!

Before you get started, make sure you have the following information to help streamline the application process:

  • Employment, income, and housing information
  • Amount you would like to finance (amount should include purchase price, taxes, title, license, and warranties, minus any down payment)
  • Length of the loan
  • Title, loan, registration, and license information if you plan to trade in a boat
  • Serial/ hull number of the boat and the dealer/ seller’s name if you already selected a boat to purchase

When you’re ready, you can finance your boat loan with TDECU one of the following ways:

Get Pre-Qualified

If you want to get pre-qualified for your loan before you start boat shopping, you can lock into a low rate by applying online, in-person at your local Member Center, or over the phone by calling (800) 839-1154. To start your online application, simply click on the button below!

Finance at the Dealership

You can still finance your boat loan with TDECU directly from one of the hundreds of dealerships we serve. When you find the boat you want, simply tell the dealer you want to finance your loan with TDECU.

Loan Calculators

Our online calculators will help you estimate your monthly payments so you can find the right boat loan for you.

Looking for the best boat insurance rates that don’t sacrifice coverage?

TDECU Insurance Agency, LLC will find you the best coverage at the best value 3

TDECU Boat Loan Frequently Asked Questions

How can being pre-qualified help me when shopping for a boat?

When you are pre-qualified for a boat loan, you can focus on negotiating the best price when visiting the dealership. This allows you to shop with confidence, knowing you won't end up with high rate financing. Dealers tend to take people with pre-approved financing more seriously because it means you're actively looking for a boat and ready to do business.

Can I be approved for a boat loan and have funds available the same day?

In many cases, you may be approved and then the funds made available the same day. Our team will answer any of your questions and help expedite the boat loan application and approval process.

How can I check the status of my boat loan application?

You can check the status of your application through our Application Status Center.

Can I make additional payments and pay off my loan earlier than the original loan term?

Yes. At TDECU, there are no prepayment penalties for paying off your loan earlier than your original term. In fact, it’s a great way to save on interest over the long run!

Can I refinance my current boat loan with TDECU?

Yes. If you financed your boat loan with another lender and would like to refinance at a lower rate with TDECU, select the Refinance My Boat Loan option when completing the online application. You can also visit your local Member Center, or call us at (800) 839-1154.

1 APR = Annual Percentage Rate. Rates, terms and offer subject to change without notice. Credit approval and proof of income required. Other terms/conditions apply; contact TDECU for details. Advertised 5.25% APR is the lowest rate offered for a 72-month term and includes a 0.25% discount for recurring direct deposit of $250 or more to a TDECU savings or checking account. Other rates/terms are available. Actual rate received is determined by loan term and credit score of applicant. Terms of repayment: A $30,000 loan with a 72-month term at 5.25% APR equals a $486.63 monthly payment.

2 Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Loan-to-Value must be less than 110% and a minimum credit score of 660 is required to qualify for the deferred payment option.

3 Insurance products are not deposits, not NCUA insured, and not guaranteed by TDECU Insurance Agency, LLC or Texas Dow Employees Credit Union (TDECU).

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