Boat Loans

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.

Family cruising the lake on a speed boat
Boat sinking by a dock

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: 6/21/2021 - 12:00 A.M. EST

Rate (APR*)
Payment Amount

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


$7.40/mo per $1,000 borrowed based on maximum term.

61 to 84 Months


$13.79/mo per $1,000 borrowed based on maximum term.

85 to 120 Months


$10.37/mo per $1,000 borrowed based on maximum term.

121 to 144 Months


$9.25/mo per $1,000 borrowed based on maximum term.

* Balloon Repayment and Option to Refinance Example: If you borrow $50,000 at 4.00% APR for a 180 month amortization, 60 month balloon term, you will make 59 payments of approximately $369.97 and one final payment of approximately $36,823.43. Portions of the final payment may be refinanced with qualifying credit worthiness.


Apply for a loan

24 hours/day!

Start Loan Process

You can also call our 24-Hour Loan Application Service to apply over the phone from the comfort of your own home. Just dial 1-800-227-2328 and a qualified loan expert will take your application for a Boat Loan. Members receive a decision on their application within 24 hours over the phone. Reach out to us today!

You must become a Wildfire Credit Union member if you are approved and before the loan is finalized. Members can count on secure, safe, and fast consumer loan approval with Wildfire.