Boat Loans

Navigate your financing for more fishing and more fun.

1. Annual Percentage Rate (APR) of 6.09% is based on a calculated APR of 6.093% and is offered for new or used boat purchases with terms up to 96 months and refinanced non-Radiant Credit Union boat loans. Rate effective as of July 31, 2026, through August 31, 2026. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. For example, a $45,258.55 new boat loan with no money down at a rate of 6.03% for 96 months would require 95 monthly payments of $595.50 and a final payment of $594.83, finance charge of $12,008.78, for a total of payments of $57,167.33. The amount financed is $45,158.55 with an APR of 6.093%. The rate you pay is based on your creditworthiness, term of the loan and collateral qualifications at the time of your advance and is disclosed to you at that time. Rates subject to change without notice. Other rates and terms available.

Boat Loans

More Cruising. More Fishing. More Fun.

Whether you’re ready to navigate the open ocean, enjoy calm lake waters, or cruise along the river, Radiant is ready to help you enjoy your boating dreams with affordable financing that that keeps your budget afloat.

For your new boat, we offer an easy online application and fast loan approvals to quickly get you out of the lot and into the water. So, shop for your next sailboat, bass boat, pontoon boat, or bowrider, and we’ll be ready to get your financing approved.

Quick online applications
Fast approval decisions
Great low rates
Flexible loan terms up to 180 months (New) and 144 months (Used)
New boat financing up to 110% of sale price
No pre-payment penalty

Boat Loan Rates

Vehicle Type	Term	APR*
New	96 months	6.09%*
Used	96 months	6.09%*
Vehicle Type New	Term	96 months	APR*	6.09%*
Vehicle Type Used	Term	96 months	APR*	6.09%*

New boats are current model year to five model years old. Used boats are ten (10) years old or newer.

GAP Insurance

If you are in an accident, Guaranteed Asset Protection (GAP) can help you pay what you still owe on your boat if your insurance payout isn't enough.

Learn more about GAP Insurance from our blog post. To get GAP Insurance, you can also call our Contact Center at (877) 786-7828 during business hours or visit a branch near you.

Mechanical Breakdown Protection

Mechanical Breakdown Protection is optional coverage that can help you pay for unexpected mechanical or electrical repairs to your new or used vehicle.

Please call our Contact Center at (877) 786-7828 during business hours or visit a branch for more information.

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Boat Loans

Navigate your financing for more fishing and more fun.

JULY 31 - AUGUST 31, 2026

Special Thanks 6.09% APR¹ Boat Loan!