One of the best Boat & Watercraft
Loan options

Arizona provides the perfect boating weather year round – save a boatload when you finance a new or used boat with Arizona Financial.

Apply Online
RVs & Campers
ATVs & UTVs

New & Used Boat Loans

We'll help you with the best boat loan terms for your budget. 
Term
Fixed APR*
as low as
Minimum
Loan Amount
Term
60 Months
Fixed APR*
as low as
7.74%
Minimum
Loan Amount
$10,000
Term
90 Months
Fixed APR*
as low as
8.24%
Minimum
Loan Amount
$30,000
Term
120 Months
Fixed APR*
as low as
8.49%
Minimum
Loan Amount
$40,000
Term
144 Months
Fixed APR*
as low as
8.74%
Minimum
Loan Amount
$50,000
Effective November 1, 2023

* Annual Percentage Rate. APR shown is the lowest available rate for new and used RV and Boat loans. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Membership required based on eligibility. Loan payment example: $19.91 per month for each $1,000 borrowed at 7.74% APR for 60 months.

* Annual Percentage Rate. APR shown is the lowest available rate for new and used RV and Boat loans. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Membership required based on eligibility. Loan payment example: $19.91 per month for each $1,000 borrowed at 7.74% APR for 60 months.

Get Started

  • Apply online, get quick decision
  • No application fee
  • Financing for new and used boats
  • Flexible loan terms up to 144 months
Apply Now
family on their new boat under blue skies

Looking to Finance a Boat? We'll Find You One of the Best Boat Loans in Arizona

Whether you plan to set sail, water ski, jet ski, or go fishing. Whatever your boating dreams, you find the vessel and we'll find you the perfect loan.
Apply Now
Low, fixed-rate financing

Secure a rate that remains the same for the entire term.

Fixed monthly payment

Throughout the life of the loan your payment stays the same.

No prepayment penalties

Should you decide to pay off your loan in advance of the term, there are absolutely no prepayment penalties.

Terms up to 144 months

We'll help you find the best terms for your lifestyle.

COMPETITIVE BOAT LOAN RATES -
NEW OR USED

Boat Loan Calculator

Looking to see how much you afford before you get on the water? Explore estimated monthly payments using different loan amounts and interest rates to find an amount that works for you and your budget.

  • Email yourself the results to save your perfect payment.
  • For your convenience get preapproved before you go shopping.
  • Apply online, by phone at 602-683-1000, or at one of our local branches.

1 Annual Percentage Rate. APR shown is the lowest available rate for up to 60 months for new and used RV and Boat loans. Actual APR based on borrower’s credit history and loan terms. Rates will be higher for ATVs, UTVs and Personal Watercraft. Membership required based on eligibility.

This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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In three simple steps,
you'll be on the water

dream boat complete boat loan application

  1. Find Your Dream Boat

    Whether sailing, fishing, or riding the waves, there's a watercraft option for you.

  2. Complete a Loan Application

    It’s easy to apply online, by phone or at one of our branch locations.

  3. Determine Term Options

    Arizona Financial has loan terms and payment options to match your budget.

Let's Do This

Frequently Asked Questions

How long does a boat or watercraft loan process take?

Typically, the process can take anywhere from 2-3 business days, depending on the watercraft buying options.

Can I get preapproved before I shop for a boat or watercraft?
When you’re considering purchasing a new or used boat loan, obtaining a loan preapproval is a good first step.
  • Prepares you for ownership
  • Gives you an idea of the loan amount you may be able to afford
  • Demonstrates your ability to obtain financing 
  • May speed up the ability to close your loan
Do I need to get insurance on my boat or watercraft?

Protecting your assets with an insurance policy is required when financing the purchase of a boat.

Do I have to be a member of Arizona Financial to get a loan?

To take advantage of Arizona Financial benefits, including competitive loan rates – membership is required. It's simple to become a member
You just have to meet one of our membership eligibility requirements.