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Boat Loans

Navigate your financing for more fishing and more fun.

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.

Radiant Boat Loan Features

  • 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 120 months 6.652*
Used 120 months 7.152*
Vehicle Type New Term 120 months APR* 6.652*
Vehicle Type Used Term 120 months APR* 7.152*
New boats are current model year to five model years old. Used boats are ten (10) years old or newer.
 

All rates effective as of September 1, 2026.

Additional Boat Protection

GAP Boat

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

Boat stranded on rocks showing need for mechanical breakdown protection.

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.

FROM THE RADIANT BLOG

Resources for Buying, Financing & Owning a Boat

The True Costs of Boat Ownership: What Every Buyer Should Know

March 18, 2025

Owning a boat is an exciting experience, whether you are cruising Florida’s lakes, rivers, or coastal waters. While many buyers focus on the upfront price and loan payments, the reality is that the...

Set Sail with Confidence: How to Prepare for Boat Ownership

March 13, 2025

“Sailing takes me away to where I've always heard it could be.” Owning a boat is an exciting investment that brings adventure and relaxation. Whether you envision yourself fishing at sunrise,...

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