Boat Loans

People's Community Credit Union serves the greater Vancouver WA area.

Boat Financing With People's Community Federal Credit Union

The waterways of the Pacific Northwest are some of the most beautiful in the country, and we give our members the financial tools they need to take full advantage of them.

People’s Community Federal Credit Union offers affordable boat loans that can make your dreams come true. We offer financing on all kinds of boats, from small fishing boats to jet skis and luxury yachts, and all our members get the same low rates when they qualify, regardless of credit score!

View our current boat financing rates here under ‘Auto Loans’.

The Benefits of a People’s Boat Loan

When you arrive at the marina with a boat loan that has already been approved, you get to decide what you want, instead of accepting what a sales representative says you qualify for. While this is a serious advantage, it is just one of the many benefits of boat financing with us, even if this is your first time buying a boat.

Other features of our boat loans include:

Low rates: At People’s, we offer some of the best boat loan rates around with flexible terms to help keep your monthly payments affordable.
No “as low as” trap: Once approved, all our members get the same low rates.
Excellent member service: We treat our members like people and not numbers. Call us today with any questions you might have and experience the difference!
We finance up to 100%: Taking the helm of the boat of your dreams does not require a large down payment.
Buy any kind of boat or watercraft: Whether you want a jet ski, a sailboat, a fishing boat, a motor cruiser, or a yacht, People’s can make your vision a reality.
We finance both new and used boats: You can use our boat loan for either a brand new or pre-owned boat.

The Pacific Northwest's Trusted Credit Union Since 1952

Looking for a financial institution you can trust? With People’s you’ll find a wide variety of accounts for all your financial needs—whether you’re a savvy saver, a young family looking for a better auto loan rate, or opening your very first checking account.

Questions? Member services is here to help!

PCCU Membership and Boat Loans

We offer competitive boat loans with no credit hassles and friendly service. We make joining our credit union easy. With People’s Community Federal Credit Union, you’re a person, not a number!

Open to all: If you work or live in Cowlitz, Clark, or Skamania counties, becoming a People’s member is just a click away, or come into one of our convenient locations to join.
Convenience: In addition to providing a full suite of online loan application services and account management tools, we offer members in-person service at five convenient locations.
Community-driven: When you take out a boat loan from People’s, you are keeping your money in the local community and helping to improve the lives of your neighbors.

Apply or Become a PCCU Member Today for Your Boat Loan

We are always searching for ways to make living your dreams more affordable for you. If you’re interested in a boat loan from People’s Community Federal Credit Union, contact us today! You can also apply online here.

If you live or work in Skamania, Clark, or Cowlitz County, you can become a People’s member in just minutes. As a member, you will enjoy friendly service while keeping your money in the local community. In addition to boat financing, we offer checking accounts with no monthly fees or balance requirements and a full suite of online financial tools.

Apply for a People’s boat loan today, and start enjoying the freedom and splendor of the Pacific Northwest!

FAQs About Boat Loans

How do boat loans work?

Boat loans work similarly to auto loans. You borrow a set amount of money to purchase the boat, and then make monthly payments over a predetermined period to pay off the loan, plus interest. The boat serves as collateral for the loan.

What is the typical term for a boat loan?

The typical term for a boat loan ranges from 4 to 12 years. It can vary depending on the loan amount, type of boat, and year of the boat.

Shorter loan terms typically mean higher monthly payments but less interest paid over the life of the loan. Longer loan terms, on the other hand, may result in lower monthly payments but more interest paid overall.

At People’s, All Members Get the Same Rate

People’s provides members with access to affordable credit through low-rate loans. What sets our credit union apart is that all members pay the same rate, no matter their credit score or amount in their account. We are here to help you with your financial needs.