“I had a wonderful experience with Radiant Credit Union! It’s rare to find a place where you genuinely feel valued as a member, but that’s exactly how I feel here. I truly appreciate all of you — thank you for consistently providing such excellent service!”
Boat Loans
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* |
All rates effective as of September 1, 2026.
Additional Boat Protection
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.
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,...
Our Members are Talking
“We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency."
“It's always a pleasure working with Radiant. Everyone is so helpful and informative of possible solutions and opportunities that you may not even know about. I've been a member for many years and look forward to many more. I always feel and know that Radiant is in my corner!”
