Types of boats we can finance

Get your life jacket ready. We can help finance a new or used boat, and the trailer, so you can embark on the adventure you've been dreaming of.

  • Motorboat

    This could be a freshwater or saltwater boat with an inboard or outboard motor.

  • Fishing boat

    From bass boats to offshore boats, these vessels are designed for fishing.

  • Pontoon

    Built on hollow metal cylinders, pontoon boats are great for lakes and rivers.

  • Sailboat

    These boats have at least one sail and are used for racing or relaxing.

  • Yacht

    From day cruisers to sailing yachts, our financing can help get you on the open waters.

Looking to finance something smaller?

If you're thinking of buying a new Jet Ski®, WaveRunner®, Sea-Doo® or other personal watercraft, consider a personal loan.See note2 If you need financing options for a new rowboat, canoe or kayak, take a look at our credit card options.

Why choose us for your boat loan?

  • Quick application

    Apply online and get a decision in minutes in most cases.

  • Up to 20 years financing

    We offer terms up to 240 months, or 20 years.See note1

  • Extraordinary customer service

    USAA representatives are ready to help.

How to get a boat loan

  1. Step 1: Apply online.

    It only takes a few minutes. You'll need to know your loan amount and give details about your income, housing and employer.

  2. Step 2: Get a decision.

    In most cases, you'll get an answer in minutes.

  3. Step 3: Call to finalize your loan.

    We'll ask what you're buying and where to send the money. Call 800-531-USAA that's 800-531-8722.

See how boat insurance could fit your needs.

A boat insurance policy from the USAA Insurance AgencySee note3 can cover your boat, transport trailer and more. From emergency services to liability protection, boat insurance can help you stay afloat.

Learn about boat insurance

Boat loans and refinancing  Frequently Asked Questions