Friends enjoy boat trip on the lake

Boat Loans

Boat Financing in GA & SC

Start Your Application Here

Members: If you've received a notice regarding your current insurance policy, you can upload your proof of insurance here.

Boat Financing

Make your dream of owning a boat a reality with Peach State's competitive boat loan and boat financing options. 

  • Competitive Rates Lower rates mean lower payments and that's great news for your budget!
  • Rapid Response We get you fast answers because your Boat Loan application stays local.
  • Get Pre-Qualified Strengthen your negotiating power by getting pre-qualified.
  • What's Included Boat financing includes the boat, motor and trailer.
Older couple enjoying day on the boat

Boat Payment Calculator

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Boat Loan Calculator

Find your perfect payment! Try a few different rates and terms to see what works for your budget and then email the results to yourself.


Your actual term and payment will be provided upon acceptance of a Peach State FCU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Get Your Money's Worth
Before you make a deal, find out how much you're pre-approved for to help you get the best deal.

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Helpful Guidance
Contact a member of our lending team to give you guidance and support while staying within your budget. 

Boat Loan
Rates

Get pre-approved so you know how much you can afford before you start shopping!

*APR – Annual Percentage Rate. Subject to credit approval and recommended rates may vary based on individual creditworthiness. Term of up to 36 months; estimated monthly payment of $29.36 per $1,000.00 borrowed. Rates subject to change without notice and may be higher based on term and/or qualifications. Must qualify for Peach State membership. Members must qualify for a Peach State loan and checking account. Peach State will finance up to 100% of the NADA vehicle valuation. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.

Boat Loan Rates

Boat Loan Term
APR* (as low as)
Boat Loan Term
Up to 36 Months
APR* (as low as)
3.29%
Boat Loan Term
37-60 Months
APR* (as low as)
3.29%
Boat Loan Term
61-72 Months
APR* (as low as)
3.79%
Boat Loan Term
73-84 Months
APR* (as low as)
4.79%
Effective August 19, 2022

*APR – Annual Percentage Rate. Subject to credit approval and recommended rates may vary based on individual creditworthiness. Term of up to 36 months; estimated monthly payment of $29.36 per $1,000.00 borrowed. Rates subject to change without notice and may be higher based on term and/or qualifications. Must qualify for Peach State membership. Members must qualify for a Peach State loan and checking account. Peach State will finance up to 100% of the NADA vehicle valuation. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.

Father and son catch fish on boat

Financing your boat has never been easier!

At Peach State, we want to take the stress out of financing your dream boat. Our affordable rates make it easy for you to purchase your boat, motor, and trailer all in one application!

  • Whether you're into water sports, fishing, or just cruising the open waters, we can help get the boat of your dreams! 
  • A boat is only as good as its motor. With our convenient boat loans, everything you need is included!
  • Getting your boat safely to and from the water requires a reliable trailer. Use our Boat Loans to bundle all your boat essentials into one convenient package.
3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Testimonial

This is the ONLY banking institution that I have that treats you like family. They don't treat you like just another customer; they treat you like a human with REAL needs and do their best to make sure those needs are met.

- Carolyn T.
The staff are always nice and friendly. Very efficient service.
 
- Tonda B.
We have bought cars, homes, and taken out loans with them with full confidence that they are working in our best interest. I am a proud member as are my two  daughters. Peach State is family to us.
 
- Carol F.