Boat Loans

Speedboat riding into the sunset

Ahoy! It’s Time to Weigh Anchor and Set Sail

Dream of being on a boat and sailing forbidden seas? Or maybe just your favorite lake? Whatever the voyage, Wildfire is ready to join your crew and help you obtain the perfect vessel.

Features & Specifications:


Loan Terms: Up to 180 months with a 60 month (5 year) balloon or a fixed option with no balloon, up to 144 months.

Loan Amount: Save coin with up to 100% financing matey!

Down Payment: We may require a 20% down payment, but this is typically set at the time of the application.

Group of people having a party riding a boat at sunset
Shipwreck at sunset

Insurance Solutions


Protect your treasure with payment protection options such as:

New & Used Boat Rates

  • All rates listed are the Annual Percentage Rate (APR).
  • Rates are based on the applicant(s) credit score.
  • Rates are subject to change without notice. Call the credit union for current rates.
  • Loans are based on credit approval.
  • Credit Terms for loans secured by an Auto requires a maximum 20% down payment.

Effective Date: 7/14/2024 - 12:00 A.M. EST

Rate (APR*)
Payment Amount

Up to 60 Months or 180 Months Max with 60 Month Balloon


$20.04/mo per $1,000 borrowed based on maximum term.

61 to 84 Months


$15.47/mo per $1,000 borrowed based on maximum term.

85 to 120 Months


$12.14/mo per $1,000 borrowed based on maximum term.

121 to 144 Months


$11.10/mo per $1,000 borrowed based on maximum term.

* Balloon repayment and Option to Refinance Example: If you borrow $50,000 at 7.49% APR for a 180-month amortization, 60-month balloon term, you will make 59 payments of approximately $463.42 and one final payment of approximately $39,727.37. All or a portion of the final payment may be refinanced with qualifying credit worthiness.


Apply for a loan

24 hours/day!

Start Loan Process

Wildfire members can count on secure, safe, and fast consumer loan approval with Wildfire. Go ahead and apply today:

You must become a Wildfire Credit Union member if you are approved and before the loan is finalized.

If you have already submitted an application with us you can check your application status.

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