Personal Watercraft Loans

Leave high rates in your wake
Finance your new or used watercraft with a low-rate loan from Mountain America Credit Union.

Performance financing for personal watercraft


Whether you’re buying a jet ski, waverunner or jet boat, Mountain America has the personal watercraft (PWC) loans to help you finance the purchase. Our PWC loans feature low rates and competitive terms. We can also help you refinance existing loans. It could lower your rate or payment and save you a bunch of money.


Our personal watercraft loans feature:

  • Fixed rates as low as 5.49% APR
  • No application fees
  • Terms up to 6 years*
  • Onsite financing at many dealerships
  • Rate discounts with MyStyle CheckingSM

Calculate your PWC loan payment



Speed in for your low rate

Apply for your PWC loan online, through the Mountain America mobile app or at a local branch. You can even ask for Mountain America financing at the dealership.

Apply today

How Do I Finance a Personal Watercraft?


Financing a personal watercraft is like financing a car. Buyers will need to complete a loan application with a lender to see if they can qualify for the loan. The lender will run the buyer’s credit and verify income, assets, and obligations during the application process. Lender’s may consider a preapproval if the borrower hasn’t selected a specific watercraft. Applicants with a good credit score, low debt-to income ratio and/or money down may put themselves in a better position to get financing.

PWC Insurance

Personalized coverage

Customize an insurance policy that meets your individual needs.

PowerSports Protection

Affordable mechanical coverage

Make sure your PWC repairs are covered.

Must Reads

Top tips before you buy

Get the best deal on a new or used vehicle.
*Annual percentage rate. Loans on approved credit. Actual APR based on credit worthiness. See current rates and terms. Membership required–based on eligibility. Rate includes 0.25% discount for MyStyle Checking. The minimum payment for a loan with a 5.49% APR and 6-year term is $16.33 per $1,000 borrowed.

**Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.