Boat & Watercraft Loans
Make Waves with Easy Financing
Ready to hit the water on a jet ski, wave runner, or boat? CommonWealth Central Credit Union makes it simple to finance your new or used watercraft so you can spend less time worrying and more time enjoying the ride.
- Flexible loan terms up to 84 months
- New, used, and refinanced watercraft options
- Quick and efficient pre-approvals
Boat & Watercraft Loan Rates
Effective: November 1, 2026
New and Used Boats and Personal Watercraft | Loan Term | Annual Percentage Rate (APR)* | Monthly Payment Per $1,000 Borrowed Maximum Term |
|---|---|---|---|
Model years 2025-2026 | 24 - 36 months | 7.24% - 13.74% | $30.99 - $34.05 |
37 - 48 months | 7.74% - 14.24% | $24.29 - $27.45 | |
49 - 60 months | 9.50% - 16.00% | $21.00 - $24.32 | |
61 - 72 months | 9.75% - 15.74% | $18.40 - $21.55 | |
73 - 84 months | 9.75% - 15.74% | $16.47 - $19.71 | |
Model years 2016 - 2024 | 24 - 36 months | 7.99% - 14.49% | $31.33 - $34.42 |
37 - 48 months | 8.49% - 14.99% | $24.64 - $27.83 | |
49 - 60 months | 10.25% - 16.75% | $21.37 - $24.72 | |
61 - 72 months | 10.50% - 17.00% | $18.78 - $22.25 | |
73 - 84 months | 10.50% - 17.00% | $16.86 - $20.44 |
Explore Other Vehicle Loans
Recreational Vehicles, Trailers, & Fifth Wheels
Borrow up to $150,000 for a vehicle or trailer made within the last 10 model years.
Motorcycles
Borrow up to $50,000 for a motorcycle made within the last 8 model years. It must be titled and registered in California, and you must have a valid California motorcycle license.
New and Used Auto
Drive smarter and save more with an auto loan from CommonWealth. Benefit from financing options that help you buy your first car, build credit, reduce monthly expenses, get a reliable ride to work, or hit the open road and explore.
*If you take advantage of the “no payments for 90 days” option finance charges will still accrue, the total finance charges paid on your loan will increase, and the maturity date of the loan will be extended. Minimum FICO score 680.
1APR=Annual Percentage Rate. The rate you receive will be based on certain creditworthiness factors and approximate repayment and may be higher than the rate shown above. Please ask us for the rate for which you qualify. All rates are subject to approximate loan term limits and certain restrictions may apply. Rates are subject to change without notice. Rates are for new loans only, refinance terms will differ. There are minimum loan amounts required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts and loan-to-value requirements.
21% cash back offer valid only for vehicles refinanced from another financial institution. 1% cash back will be paid at loan closing. Refinance of existing CommonWealth auto loans do not qualify. You must keep your auto loan open for 12 months in order to keep the 1% cash back incentive. Cash back incentives over $599.99 are subject to IRS reporting on form 1099-NEC.
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