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The most cost-effective way to enjoy a boat is to have a friend with a boat. But, if you dream of the open water and want a boat of your own, Truliant Federal Credit Union can make that dream a reality.

Go out and play with a convenient loan that saves you money. Save time and money with a boat loan while spending more time doing what enriches your life. With flexible terms and new and used boat options available for bass boats, sailboats, trawlers, multi-hulled and more, you can get a loan worth 85% of the invoice price, plus tax and titles. 

Whether you’re in the market for a new boat, a used one, or you want refinance an existing boat loan, we're here to help. With flexible terms and fast approvals, you’ll be on the water in no time.

Get extra piece-of-mind by purchasing a Payment Protection plan and/or GAP insurance for your boat.


Boat loans include motor, trailer & accessories. Classic Cars are based on J.D. Power valuation classifications. All loans are subject to credit approval.
(1) The estimated monthly payment on a $30,000, 60-month loan at 10.49% APR is $645.
(2) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.


Boat Loan Calculators


What should I know before purchasing a boat?

  1. Choose the right boat for your needs. Whether you're wanting something to enjoy with others or just looking for a fishing boat, there are numerous boats that can fit your needs.

  2. Determine if you'd like a new or used model. Would you rather have a new model with the latest bells and whistles, or are you looking for an older, reliable model?

  3. Ensure your boat is certified. This ensures that your boat is up to safety and construction standards.

  4. Negotiate your price. Just like when purchasing a car or RV, negotiating your price can save you thousands on your new boat.

  5. Save for your down payment, taxes, title and registration fees. At Truliant, we'll help you by lending 85% of the invoice price, plus taxes and tags, on a new boat.

What should I expect when applying for a boat loan?

  1. Apply at one of our branches, over the phone, or online using our quick, convenient digital application, available virtually anywhere.

  2. Once you apply, we will help to walk you through the rest of the process so if you ever have a question, we're here for you. If you applied online, you can expect the same personalized attention from one of our Digital Guidance Team members.

  3. Once a decision has been made on your application, we will contact you. If you are approved, we will also discuss your loan amount, terms and payment information.

  4. Your funds are ready whenever you are, so you can hit the water quick.

Mechanical Repair Coverage for Boats

Mechanical Repair Coverage3 can save you from expensive repair costs4 when your boat breaks down. Call us at 866-234-7633 or stop by a branch to discuss the details and see which of our three plans is right for you.
I'm very impressed with Truliant, everyone is friendly and answers all my questions. The loan process was quick and smooth. I'm ready to go fishing.
I have banked with them for 5 years. Great boat loan financing and very friendly staff. Fantastic Credit Union.
The loan officer that helped me is great! Even though I ended up needing a different type of loan, she connected me with someone to help me. I recommend Truliant to all my friends.
Our loan officer went above and beyond to get our approval paperwork finished. Thanks so much!
Professional and super friendly, Truliant treats me like family. They are patient and explained banking procedures in a manner that I understood.

Boat Loan Tools and Resources

(1) APR = Annual Percentage Rate. Loans are subject to credit approval. Boat loans include motor, trailer and accessories.
(2) The estimated monthly payment on a $30,000, 60-month term Boat loan at 10.49% APR is $645.
(3) Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1- 800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.
(4) Actual costs may vary by vehicle year, make, and model. Prices are based on actual claim experience of Consumer Program Administrators, Inc., and its affiliated companies’ customers as of September 2022. Your experience may be different.

Jet skies do not qualify for this loan.
Provision of the calculator on this page is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations.