Financing Available for Boats
Chart new waters with affordable boat financing from Hudson Valley Credit Union. Whether you’re buying a new or used boat, we have the competitive rates and terms to make your dreams of cruising a reality.
Types of Boats We Finance
Don’t limit your activities to land! From application to approval – it’s smooth sailing ahead.
- Sailboats
- Motorboats
- Pontoon Boats
- Fishing Boats
- Bowriders
- Cruisers
- Deck Boats
- Jet Skis
Boat Loan Features
- Low competitive interest rates
- Flexible terms up to 20 years1
- No application fee or prepayment penalties. Reduce your interest by paying early.
- Financing up to 125% LTV2
(includes accessories, taxes, fees, and warranties) - Apply in person, by phone or online
Check Out Our Boat Loan Rates
Get Pre-Approved
Negotiate with confidence for a new or used boat. Plus, the 30-day approval lock gives you time to find the boat that best fits your lifestyle.
Please select an option below to apply for a loan.
NeW Members Current Members
Please note: To qualify for a Hudson Valley Credit Union account, you MUST live, work, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Sullivan, Ulster, or Westchester County. If you do not have an account with Hudson Valley Credit Union, you will be required to open a Primary savings account with $0.01 when your loan is funded. Our loan applications prompt you to open an account, as applicable to your situation.
Refinance
Refinancing your boat or RV loan from another institution could save you hundreds or even thousands of dollars over the life of your loan. Find out how.
Boat and RV Refinancing - Transfer Your Loans to HFCU and Save!
Refinancing a boat or RV loan from another lender can potentially save you hundreds of dollars in interest and lower your monthly payments. Depending on your interest rate, you can even save on vehicles financed 6, 12 or 18 months ago.
When you refinance, there is:
- No application fee
- No handling fee
You can submit an application online, however, if you’d rather speak with someone about your refinancing options, call us at 845.463.3011 or stop into one of our branches. Our staff will review your current terms and let you know if we can give you a better deal.
Please select an option below to apply for a loan.
NeW Members Current Members
Please note: To qualify for a Hudson Valley Credit Union account, you MUST live, work, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Sullivan, Ulster, or Westchester County. If you do not have an account with Hudson Valley Credit Union, you will be required to open a Primary savings account with $0.01 when your loan is funded. Our loan applications prompt you to open an account, as applicable to your situation.
Establish Auto Pay and Get a Discount on Your Boat Loan Rate
Arrange to have your loan payment automatically deducted from your savings, checking, or tiered money market account and we’ll lower your interest rate by .25%3.
Relax on the Water Without Sinking Your Budget on Boat Insurance
Enjoy more time on your boat, and less time worrying. InsureOne® offers a range of coverage options for your watercraft in case of damage or injury, at an affordable rate.
Insurance products offered through InsureOne Insurance Services America, LLC and its affiliated companies identified on https://www.insureone.com/affiliate-disclosure/. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected, and other underwriting factors. Other rates, service fees, restrictions, and charges may apply.
What Your Neighbors Are Saying
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Important Legal Disclosures & Information
All company names are the registered trademarks of their original owners.
1APR=Annual Percentage Rate. Rates for this product are as low as 7.25% subject to applicant credit and total amount financed. Rates are accurate as of 7/3/25, and are subject to change without notice. As an example, a 12-year, 7.25% fixed rate new boat or recreational vehicle loan for $12,000 would result in 144 monthly payments of $125.08.
2Borrow 90% of the purchase price for new boats and recreational vehicles and 90% of the book value for used boats and recreational vehicles. Accessories, taxes, fees, & warranties included in 90% financing for new boats and recreational vehicles.
3Rates that are discounted by .25% include a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.