Explore Carolina Waters with Our Affordable Boat Loans
Dreaming of days spent on the water? Whether you’re angling for bass on the river, cruising the Intracoastal Waterway, or enjoying family time on the lake, Carolina Trust Federal Credit Union can help turn those dreams into reality. Our boat loans are designed to get you behind the helm with affordable financing and friendly service.
Features of Our Boat Loans
Set sail with confidence with a boat loan from Carolina Trust:
- Competitive APRs*: Enjoy low-interest rates and flexible terms designed to fit your budget.
- Flexible Loan Amounts: Whether you’re buying a small fishing boat or a luxury yacht, we have financing options to meet your needs.
- Quick and Easy Application Process: Get pre-approved quickly so you can shop for your boat with confidence
| Type | Up to 60 months APR as low as* | 61-144 months APR as low as*^ | 145-180 months APR as low as*^ |
|---|---|---|---|
| New Boats | |||
| 2024 and Newer Model Years | 6.99%** | 7.39%** | 7.64%** |
| Used Boats | |||
| 2025, 2024, 2023, 2022, and 2021 model years | 7.89%** | 8.39%** | 8.89%** |
These rates were last reviewed and/or updated on 1/31/2025.
*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. **Advertised APR includes a 0.25% rate reduction for automatic draft. Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details. Financing Example: A boat loan of $25,000 at 6.99% APR for a term of 60 months would result in a monthly payment of approximately $494.91. Payment estimations do not include GAP service agreement products. ^$25,000 is the minimum amount to be financed for a 61-144 months term and $50,000 is the minimum amount to be financed for a 145-180 months term.
APR ranges from 7.24% to 9.14%. Repayment terms from 60 months to 180 months.
Why Choose a Boat Loan from Carolina Trust?
At Carolina Trust Federal Credit Union, we’re more than just a lender; we’re your partner in adventure. Here’s why you should consider financing your boat with us:
- Local Knowledge: As a local institution, we understand the allure of the Carolinas’ waterways and the importance of having a reliable boat to enjoy them.
- Personalized Service: Our loan specialists are here to help you navigate the financing process with ease, ensuring that you get the perfect loan to match your boating lifestyle.
- Additional Benefits: Ask about our additional benefits like payment protection plans and discounted insurance rates to protect your investment.
Are you ready to set sail on your next water adventure? Apply for a boat loan today and let Carolina Trust Federal Credit Union help you make the most of the abundant waterways in the Carolinas.
