Low-Interest Boat Loans in Texas | Greater Texas Credit Union

Purchase a new or used boat, jet ski, or watercraft with competitive rates starting at 3.64%.

At Greater Texas Credit Union, our goal is to assist our boat-enthusiast members with everything they need to set out into open waters. We provide secured loans for all types of boats, including pontoons, jet skis, personal watercraft, and more.


Members get great perks and features with our boat loans:


  • Competitive Rates

    : Rates as low as 2.19% are available for qualified borrowers

  • Flexible Term Lengths

    : Enjoy loan terms ranging up to 120 months (10 years)

  • No Prepayment Fees

    : Pay off your boat even faster and with fewer surprise expenses

  • Zero Upfront Fees: Save more, guaranteed!

Boat Loan Rates 

With secure financing available in a single business day, check out the rates and term lengths for both new and used boats below.

Loan Types
Annual Percentage Rate

Secured Loans: Boats/ RVs/ Travel Trailers*

Up to 36 months
As low as 3.64%

Up to 75 months
As low as 4.74%

Up to 120 months
As low as 6.84%

*Due to recent compliance regulations, Greater Texas is unable to finance Park Model RV’s/Homes/House Boats.

Other Secured Loans: Motorcycles /Off-road Vehicles/ Jet Skis / NEW Horse or Stock Travel Trailers

Up to 63 Months
As low as 5.64%

 Monthly Boat Loan Payment Calculator


Get a better picture of your monthly payments, budget limitations, and more with the help of our boat payment calculator.

Auto Loan Calculator

Vehicle Price


Down Payment


Payment Period

Interest Rate*


Est. Monthly Payment:



*Interest rate shown includes 0.25% discount for automatic loan payment and does not reflect the age of vehicle purchased.



Boat Loans FAQ

Q: Do you also provide loans for trailers?

A: Greater Texas Credit Union provides loans for recreational vehicles, ATVs, trailers, and fifth wheels. Due to recent compliance regulations, the credit union is unable to finance Park Model RV/Homes/Houseboats.

Q: How much of a boat’s value can I finance?

A: You can finance up to 100% of your boat purchase price. This is based on a set of qualifying factors that come into consideration during the pre-approval process. No upfront fees or prepayment penalties are included with our boat financing options.

Q: Can I refinance a boat loan?

A: If you already have the outdoor vehicle(s) you need, you can also look to Greater Texas Credit Union for refinancing that can lower your interest rate and monthly payment.


What to Expect When You Apply

Document with Table


Fill out our online application
or apply at your local branch.

Document with Check Marks

Officer Review

A decision will be made
in one business day.



Sign loan documents via
email or in person.

See What Our Members Have To Say

“We have been with GTFCU for over thirty years and obviously have not had a reason to change. I am a financial services professional so I am aware of other options and have easy access to them. But GTFCU is fine for mobile banking and small enough that people take personal ownership of resolving any issues that arise.” – Tom C.

Enjoy the credit union difference today and discover how low-interest boat loans provide everything you need to stem the tide and sail into your next adventure.

Apply Online

*Annual Percentage Rate (APR)

The APR you receive for the subaccounts (except Share Secured, Stock Secured, and Certificate Secured) will be within the range disclosed above and is based on your credit worthiness. Ask the credit union for the rate you qualify to receive.

**Used RVs and boats can be financed for up to 100% of NADA retail value or BUC price guide. Loans cannot exceed the purchase price. Rate based on credit qualifications and other restrictions may apply. Additional rates and terms available. Subject to credit approval.

***New member applicants may not be eligible for unsecured loan applications for a period of 90 days. All unsecured loan applications may require additional review and verification during the application process. No loan applications will be considered until membership applications have been completed and all information including identification verified.