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TDECU Boat Loans

TDECU Boat Loans

Make a splash and finance your boat with rates starting at 7.25% APR1

Is a Jet Ski more your speed?

If you are looking to finance a personal watercraft, you are in the right place. TDECU offers personal watercraft loans that will get you out on the water on a Jet Ski or a WaveRunner in a flash. Plus, you will receive the same perks as our boat loans, including no payments for 90 days2 and rates as low as 5.25%.1

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. 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. Not only do our boat loans come with flexible loan terms to help lower your monthly payment, they also include:

  • No money down option available
  • Rates as low as 7.25% APR,  which includes a rate discount for recurring direct deposit $250 or more1
  • No payments due for 90 days2
  • Terms up to 144 months
  • No hidden fees, costs, or early-payoff penalties

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 Days2

low as




Money Down Option

TDECU Boat Loan Options


New and Pre-Owned Boat Loan

Competitive financing option for new and used boats.


Minimum APR1

48-144 months

Financing term


Refinance Your Boat Loan

Refinance option for new and used boats.3


Minimum APR1

48-144 months

Financing term

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 4

Finance your new or used boat with TDECU one of the following ways:

Get pre-approved for your loan

Complete your application online, in person, or over the phone to receive your pre-approval before you begin shopping for your new or used boat.

Finance at the dealership

You can finance your boat 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 your loan through TDECU.

Here’s the documentation you need to get started

For all boat loans

We will need:

  • Employment, monthly income, and housing information
  • Requested loan amount (should include the purchase price, taxes, title, license, and warranties, minus your down payment)
  • Requested loan term

If you plan to trade in your current boat

We will need:

  • Title
  • Current loan information (if applicable)
  • Registration and license information

Already found your new boat or planning to refinance with TDECU?

We will also need:

  • Serial/hull number of the boat
  • Name of the dealership or seller (if purchasing a boat)

Loan Calculators

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

TDECU Boat Loan Frequently Asked Questions

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

When you are pre-approved or have pre-qualification 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 will not end up with high-rate financing.

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

In many cases, you may be approved and receive your funds 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 is 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 option when completing the online application.  You can also visit your local Member Center, or call us at (800) 839-1154.

Ready to start the application process?

Start online, in person, or over the phone.

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 7.25% 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. 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.

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.

Existing TDECU loans are ineligible for refinancing.

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

Credit approval required. Minimum loan amount for boats, RVs, and leisure vehicles is $5,000. Collateral must be for personal use only. Other terms/conditions apply; contact TDECU for details.