Stay afloat with competitive new and used boat loan rates

Are you ready to make some waves? U.S. Bank provides flexible financing to purchase or refinance new or used boats.1 You’ll also enjoy U.S. Bank’s competitive boat loan interest rates. Tired of waiting to find out what you qualify for? U.S. Bank makes same-day credit decisions so you can get on the water faster.

Today’s boat loan rate 8.49%

To qualify for the best rate,2 the loan must include:

Other vehicle financing

U.S. Bank also offers financing for:

  • Cars
  • RVs
  • Motorcycles
  • ATVs
  • Snowmobiles

More resources

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  1. Subject to normal credit approval. Terms and conditions may vary between branch locations.

  2. Rates as low as 8.49% annual percentage rate (APR) are available for 4-year boat loans $25,000 and higher at 100% loan-to-value (LTV) or less on a new boat. Rates may be higher for loans to purchase a boat from a private party, smaller loan amounts, longer terms, used boats and other credit qualifiers. In order to receive the lowest rate advertised, a setup of automatic payments from a U.S. Bank personal checking or savings account is required. Automatic payments are not required for loan approval. The Consumer Pricing Information brochure lists fees, terms and conditions that apply to U.S. Bank personal checking and savings accounts. This brochure can be obtained by visiting a U.S. Bank branch or calling 800-872-2657. Loan fees apply. Loan payment and APR will vary based on the loan amount, the term, and any fees. Loan payment example: for a $25,000 boat loan over a 48-month term, monthly payment would be $616.09 at an APR of 8.49%. A prepayment penalty of 1% of the original loan amount applies if the account is closed within 1 year, with a $50 minimum and $100 maximum. There may be a title registration fee which is determined by your state of residence. Offer is subject to credit qualifications. Rates are subject to change. Some additional restrictions may apply. Installment loans are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.

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Credit products offered by U.S. Bank National Association and subject to normal credit approval.