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Boat Loans
Discover the best Dallas has to offer with our boat loans. Rates as low as 6.24% APR‡ and flexible terms so you can enjoy life on the water with affordable payments!
Earn Up to a $500 Gift Card with Your Boat Loan!*
Plan your spring fishing or summer weekend gentle rocking relation downtime with extra cash in your pocket.
*Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Offer limited to new, used and refinancing boat loans from other lenders. Boat loans currently with Neighborhood Credit Union are not eligible. Minimum financed loan amount of $5,000 required. Eligible approved applicants with a completed boat loan will be awarded as follows: $250 Gift Card - loan amount up to $15k or $500 Gift Card - loans greater than $15,001. Gift Cards sent within 90 days of loan funding. Limit one gift card per member. Other fees may be applicable. Offer subject to change without notice and expires 05/31/2025 at 11:59pm CT. Other restrictions may apply. Equal Opportunity Lender.
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Terms for Every Budget
With loan terms ranging from 36 to 180 months, you can find the ideal monthly payment.
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Competitively low Rates
Take advantage of a rates as low as 6.24% APR‡ so more of your money goes on your loan and you pay less total interest.
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Experts in Your Corner
Our team of financial experts are dedicated to providing personalized guidance throughout your loan journey.
Key Details about Boat Loans in Texas
| Best For | People who want to buy a new or used boat and live in the Texas. |
| Amount | Minimum of $10,000 and up to 100% of MSRP |
| Interest Rate | As low as 6.24% APR for new and used boats.‡ View all rates here. |
| Terms | 36 to 180 months |
¹Lowest advertised rate reflects the maximum 0.50% rate discount. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program.
Refer a Friend, Earn $200 Cash
Through our Loan Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200!¹
Auto, RV, & Motorcycle Loans
Do you love being outdoors or on the water? Find out what Texas has to offer with recreational vehicle loan and competitively low rates, we can finance your new & used auto, motorcycles, motor homes & travel trailers, and more.
Get $1,000 towards your next car purchase in the event of a total loss.
In the event of a total loss, GAP pays the difference between what you owe on the car and your insurance company’s declared value.
Members who enrolled in GAP protection experienced the benefits when they needed it most, saving an average of $5,895 in 2024.† Ask your Loan Officer or request more information. Protection pays off!
Why Neighborhood Credit Union for your Texas boat loan?
Neighborhood Credit Union is the first credit union in Dallas, TX and that means we know what people like you need. With several branches around the DFW Metroplex, we're here to offer you a great low rate boat loan so you can enjoy life on our beautiful lakes and rivers.
Because we're a not-for-profit credit union, we can pass our revenue on to you through lower rates and fewer fees.
And did you know Neighborhood Credit Union is a full-service digital financial institution? We provide free Online Banking accounts so you can easily manage your boat loan through Online Banking or the MyNCU Mobile App available on iOS or Android.
Here's the simple application process for our boat loans in Texas:
STEP 1
Apply Online
Use our secure online portal to provide your personal information and financial details.
STEP 2
Get Pre-Approved
We'll check you're eligible and, if approved, offer you a loan amount and rate for your chosen term.
STEP 3
Go Boat Shopping!
With your financing ready to go, you can find your boat then we'll help you complete your purchase.
Competitively Low New & Used Vehicle Loan Rates
‡Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Lowest advertised rate dependent on excellent credit and reflects the maximum 0.50% rate discount. Lowest loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check. Rates subject to change. Equal Opportunity Lender.
View Current rates
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| Loan Terms | Interest Rate |
|---|---|
| New Auto Purchase | |
| 54 months or less | As low as 4.49% APR‡ |
| 72 months | As low as 5.49% APR‡ |
| Used or Refinance Auto Purchase | |
| 54 months or less | As low as 4.99% APR‡ |
| 72 months | As low as 5.74% APR‡ |
| Other Vehicle Loans or Refinance (RV & Boat) | |
| 72 months or less | As low as 6.24% APR‡ |
| 95 months | As low as 7.49% APR‡ |
| Other Vehicle Loans or Refinance (ATVs & Motorcycle) | |
| 54 months or less | As low as 5.74% APR‡ |
| 72 months | As low as 6.49% APR‡ |
¹Lowest advertised rate reflects the maximum 0.50% rate discount. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program.
FAQs about Boat Loans in Texas
You can use your boat loan to buy new or used boats and water vehicles including:
- Jet skis
- Pontoon boats
- Deck boats
- Fish-and-ski boats
- Watersports boats
- Cabin cruisers
We'll offer you an annual percentage rate (APR) based on your credit score, debt-to-income (DTI) ratio, and also the loan term you choose.
- Higher scores get lower rates.
- Shorter terms get lower rates.
The term you choose impacts your monthly payment so the answer depends on your financial situation and goals.
- Shorter terms mean a lower APR but a higher monthly payment, so you're debt-free faster.
- Longer terms mean a higher APR but a lower monthly payment, so your loan payments are more affordable.
No, there are no penalties or fees if you pay your loan off early! Just make sure you include any unpaid fees and costs, unpaid interest, and your remaining principal in the final total so you're all clear.
¹Referral: Member is paid $200 for auto loan referral after the referred loan has been funded. Auto loans must be a minimum of $15,000. Offer excludes existing loans financed through Neighborhood Credit Union and cannot be combined with any other new member referral offers. Offer subject to change without notice. Additional restrictions may apply.
†Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.