Leave high rates in your wake
Personal Watercraft Loans
Finance your new or used watercraft with a low-rate loan from Mountain America Credit Union.
Calculate your watercraft loan payment¹
Today's Rate
New & Used Watercraft Loans
As low as
New and used watercraft financing
Whether you’re buying a jet ski or wave runner, Mountain America has the personal watercraft (PWC) loans to help you finance the purchase. Our wave runner and jet ski financing options feature low rates and competitive terms. We can also help you refinance existing loans. Refinancing could lower your rate or payment and save you a bunch of money.Our personal watercraft loans feature:
- Fixed personal watercraft interest rates as low as % APR
- No application fees
- Terms up to 72 months (6 years)³
- Onsite financing at many dealerships
- Rate discounts with MyStyle® Checking
Personal watercraft loan FAQs
Can you get a loan for a jet ski?
Yes, many manufacturers offer jet ski financing directly, or you can get a loan from your bank or credit union. The most common financing for a new or used jet ski is a powersport or personal watercraft loan.
How long can you finance a personal watercraft?
Many lenders will let you finance a new or used personal watercraft between 12–84 months. Mountain America offers loans up to 72 months. The higher your loan amount, the longer your personal watercraft loan term will be.
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. Lenders 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 money down will put themselves in a better position to get financing.
Save a boatload of money
Apply today for your new or used watercraft loan online by clicking the button below. Or apply at a local branch. You can even ask for Mountain America financing at the dealership.Apply now
Additional resources
Watercraft Insurance
We'll work with the top insurance providers to customize a policy for your watercraft. Get a free quote today!
PowerSports Protection
Make sure your watercraft repairs are covered with an affordable vehicle protection plan.
Improve Your Loan Chances
Discover six simple ways to shore up your credit and secure approval for a personal watercraft loan.
- 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.
