Make the most of your time off on the water.
When you’re ready to shift gears, personal watercraft are one of the fastest ways to make the most of your time off. Whether you’re riding solo, pulling the kids on a tube, or exploring a new lake, a jet ski or waverunner puts you right where you want to be. Firefighters First makes it simple to finance the watercraft that fits your life, with competitive rates on new and used watercraft, up to 115%* financing on approved credit from a team that understands the firefighter lifestyle.
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 watercraft loans, is designed with your financial well-being in mind.
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Competitive rates, new and used -
Up to 115%* financing available -
Flexible terms to fit your budget
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No hidden fees or surprises
Competitive watercraft loan rates for time on the water.
Our watercraft loans are designed to keep your monthly payment manageable with a competitive fixed rate and flexible term options, so you can focus on enjoying your time off.
| Annual Percentage Rate (APR) as low as | Term (up to) |
|---|---|
| 7.49% | 60 Months |
Start your watercraft loan application.
Tell us a bit about your watercraft 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 watercraft 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 watercraft 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.
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.
How do I know what rate I’ll receive?
Your rate is determined by several factors including your credit score, loan term and loan amount. The rate shown on this page is the lowest available rate. The best way to find out your actual rate is to apply. Contact us if you have questions before applying.
Can I refinance an existing watercraft loan?
Yes. If you currently have a watercraft 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.
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. 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 60 months.
Representative Example: A $20,000 Personal Watercraft, ATV, Dirt Bike or Snowmobile loan financed at 7.49% APR for 60 months would result in 60 payments of $400.66.
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.