Watersports

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Watersports Loans

Make a splash with great rates!

Boats, jet skis, pontoons, and even kayaks and canoes, we’ve got a watersports loan for you!
Finance with a IRFCU!

Apply Today

Do you require insurance for all your watersports loans?

Yes. We require insurance for our watersports loans over $2,000.00. We suggest asking our loan officers about how GAP can enhance your watersport loan.

What is GAP?

GAP or Guaranteed Asset Protection, is vehicle loan protection for what your insurance company may not cover for a wrecked or damaged vehicle.

How does a boat loan work?

You simply pick the boat of your dreams and apply for a watersport loan! Applying is easy with our online loan application process!

Watersport Rates - Effective Tuesday, November 3, 2026
Loan TypeRates as low asTerms & Information
NEW WATER SPORT 7.49% 0 M Apply Now!
USED WATER SPORT 8.99% 0 M Apply Now!

Loan Calculator

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Results

Instructions

  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.

IRFCU uses “Vantage 4.0 Credit Score Model.”  APRs current as of 3/18/2023 and subject to change without prior notice.  Applicants must meet credit and membership eligibility requirements.  Collateral insurance required.  Other terms and conditions may apply.  Example:  A 60 month loan of $20,000 would have monthly payments of $395.93  Contact us today for more information.  Equal Opportunity Lender.   


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