Get out on the water with boat financing built for firefighters.
Days off are hard to come by. When you get one, the water is one of the best places to spend it, whether you’re fishing with your kids, wakeboarding with your crew or just getting away from it all. Firefighters First makes it straightforward to finance the boat that fits your life. We offer the same competitive rates on new and used dealer purchases and can finance up to 115%* on approved credit. For private party purchases, contact us directly to find out what options are available.
Why finance with Firefighters First Credit Union?
We’re a Credit Union built exclusively for the Fire Family. That means every product we offer, including our boat loans, is designed with your financial well-being in mind.
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Competitive rates, new and used -
Up to 115%* financing available
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Terms up to 180 months -
Dealer / private-party** purchases
Competitive boat loan rates that fit your life.
Explore our current boat loan rates with flexible terms up to 180 months. Whether you are financing new or used, our competitive options help you keep payments manageable and get you on the water with confidence.
| Annual Percentage Rate (APR) as low as | Term (up to) |
|---|---|
| 7.49% | 84 Months |
| 7.99% | 120 Months |
| 8.99% | 180 Months |
Start your boat loan application.
Tell us a bit about your boat and what you’re looking for and our team will guide you through your financing options. It only takes a few minutes to get started and we’ll follow up to help you take the next step with confidence.
Everything you need to know about boat loans.
What types of watercraft does Firefighters First Credit Union finance?
We finance new and used personal watercraft, including jet skis, WaveRunners and similar stand-up and sit-down models. A trailer must be included as part of the collateral for the loan. If you’re unsure whether your watercraft qualifies, contact us and we’ll let you know!
Can I finance 115%* of my boat purchase?
In many cases, yes. We offer up to 115%* financing on approved credit, which means you may not need a down payment. Your eligibility will depend on your credit history, loan amount and other factors reviewed during the application process.
Can I buy from a private seller rather than a dealer?
Yes. We work with both dealer and private-party1 purchases, so you’re not limited to buying from a dealership.
What’s the difference between getting a loan from Firefighters First Credit Union versus a dealer?
Dealership financing is often arranged through third-party lenders who may not offer the most competitive rates. When you finance through Firefighters First Credit Union, you’re borrowing directly from a credit union built exclusively for the Fire Family. That means your rate is not marked up to benefit a middleman. This may also help lower the cost of additional products like GAP. It’s worth getting pre-approved with us before you visit a dealership so you know exactly what you qualify for.
Do boats over a certain size require anything special?
Yes. Boats greater than 28 feet will require an out-of-the-water marine survey as part of the financing process. Contact us for details.
Can I refinance an existing boat loan?
Yes. If you currently have a boat loan with another lender and you’re paying a higher rate, we may be able to refinance it at a better rate. Contact us or stop by a branch to explore your options.
Do I need to be a member to apply?
You need to be a member to receive a loan from Firefighters First Credit Union. If you’re not yet a member, you can join and apply at the same time. Membership is open to firefighters and their families. Visit our Become a Member page to get started.
How long does the application process take?
The inquiry form on this page takes just a few minutes to complete. Once submitted, a member of our team will follow up with you to walk through the next steps. Decisions are typically made quickly, though the exact timeline can vary based on the complexity of your application.
APR = Annual Percentage Rate.
* Rates, terms, and conditions are subject to change. Subject to credit approval and collateral requirements.
** Private party purchases are subject to review. Contact us to determine eligibility.
1. Once protections are taken, please refer to the signed agreement that will be provided to you with all coverage information and exclusions.
APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Can be combined with other offers. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice.For current rate information, visit the Rates page. Rate discount applies to loans up to a term of 180 months for boats and RVs.
Representative Example: A $25,000 RV loan (Motor homes, Trailers, and Boats) (Boats greater than 28’ in length will require an “out of the water” marine survey) financed at 5.99% APR for 84 months, would result in 84 payments of $366.03.
The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer.