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The best Boat Loans for your budget.

Competitively Low Boat Loan Rates

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Our Boat Loan and boat financing rates offer 100% financing for qualified buyers. Plus, you have the opportunity to take an additional 0.50% off your rate with our Loyalty Rate Discount.
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Get Pre-Approved

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Get pre-approved for your Boat Loan so you can have confidence and be in control of the negotiations.
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Local Lending

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Trust and relationships matter. Know you’re getting the best deal possible by working with your local partner.
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CUSTOMIZED BOAT INSURANCE

Protect Your Vehicle With The Right Coverage

It is important to protect your boat from theft and damage so you can rest easy knowing you are covered. Making sure your boat and family are protected with the right coverage is critical. Don't wait until you have an accident to make sure your coverage is right.

Work with MemberHaven insurance agents to design an insurance package tailored just for you.
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MemberHaven.com
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WE HAVE YOUR BACK

Covering The Gap

If you’re purchasing a new boat you might want to consider Gap Coverage. When you elect to add this extra Gap Coverage, you will have help paying off your Boat Loan if it gets totaled or stolen and you owe more than the boat’s depreciated value.

Another huge benefit is that if you use our coverage, the Gap company will pay $1,000 towards your new boat in the event of a total loss or unrecovered theft of the boat if financed through Allegiance CU.
Check Coverage Options
Check Coverage Options
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PEACE OF MIND

Allegiance Payment Protection Coverage

By electing Payment Protection on your loan, you can rest easy knowing you’re covered in life’s most unpredictable events. Payment Protection includes coverage options for life, unemployment, and disability payment coverage.

Payment Protection is offered by Allegiance for a low monthly premium that can usually be added into your loan.
Check Coverage Options
Check Coverage Options

Boat Loan Rates

We'll help you afford the boat of your dreams! Bring on your next adventure!
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*APR = Annual Percentage Rate.

Term
APR* (as low as)
APR* (as high as)
Term
Up to 72 months
APR* (as low as)
8.99%
APR* (as high as)
17.99%
Term
73-84 months
APR* (as low as)
9.49%
APR* (as high as)
17.99%
Term
85-120 months
APR* (as low as)
10.49%
APR* (as high as)
13.74%
Term
121-144 months
APR* (as low as)
11.49%
APR* (as high as)
14.74%
Effective March 1, 2023
Term
APR* (as low as)
APR* (as high as)
Term
Up to 72 months
APR* (as low as)
9.99%
APR* (as high as)
17.99%
Term
73-84 months
APR* (as low as)
10.49%
APR* (as high as)
17.99%
Term
85-120 months
APR* (as low as)
11.49%
APR* (as high as)
14.74%
Term
121-144 months
APR* (as low as)
12.49%
APR* (as high as)
15.74%
Effective March 1, 2023

*APR = Annual Percentage Rate.

OUR MEMBERS COME FIRST

Loyalty Rate Discount

Want to receive up to a 0.50% discount on your Boat Loan? It's as easy as 1-2-3! Establish payroll direct deposit in your ACU checking account, get pre-approved before heading to the dealership, and set up automatic payments on your new loan! In the event direct deposit is discontinued from the account, the original loan rate will be reinstated effective immediately. Discount cannot result in APR falling below the floor rate.
Establish Direct Deposit
Contact your payroll or human resources department to have your paycheck direct deposited to your ACU checking account. They will need your account number and our routing number: 303085230. Minimum $500.00 required to receive discount.
Get Pre-Approved First
Getting pre-approved before making your purchase gives you bargaining power and reduces your chances of overspending. Ensure you're getting the best rate and term that fits your budget before buying the boat of your dreams.
Set Up Auto Pay
Set up automatic payments from your Allegiance Checking Account and never have a late payment again!
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$${amount}/mo

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HOW MUCH BOAT CAN YOU AFFORD

Our Best Boat Loan Rates

Allegiance’s Boat Loans and Boat Financing will get you out on the water in record time. Don't forget to include the cost of the motor and trailer too! Your actual payment will be provided upon approval and acceptance of the loan.

Before you make a deal, know how much you are pre-approved for and gain extra bargaining power.

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You can count on Allegiance to support  your budget and not encourage you to overspend.

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KEEPING IT SIMPLE

Easy Boat Financing

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Perfect Boat
Whether you plan to water ski, fish, or relax, your perfect boat is within reach.
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Powerful Motor
Boats are no fun without a powerful motor! Our Boat Loans include everything you need!
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Sturdy Trailer
Hit the road with your new trailer, boat, and motor in tow. Your next adventure is one click away.
At Allegiance, our staff is all about keeping things simple and offering the best solution to fit your unique needs. Our affordable boat financing options allow you to purchase your boat, motor, and trailer with one application!
APPLY NOW
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Perfect Boat
Whether you plan to water ski, fish, or relax, your perfect boat is within reach.
boat-loans-rates-are-affordable-at-allegiance-credit-union-boat-speeding-away-carving-in-the-water-with-motor
Powerful Motor
Boats are no fun without a powerful motor! Our Boat Loans include everything you need!
boat-financing-is-easy-at-allegiance-credit-union-red-and-white-boat-on-boat-trailer
Sturdy Trailer
Hit the road with your new trailer, boat, and motor in tow. Your next adventure is one click away.
SUCCESSFUL BUDGETING

Claim your FREE copy!
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Saving up for your dream boat is easy with our Budgeting Guide!

Enjoy free budgeting templates and money-saving tips including:

  1. Why you need a budget
  2. Keeping track of your expenses
  3. Setting realistic savings goals 
  4. Ways to stretch your budget
  5. Growing emergency savings
SOLID ADVICE YOU CAN TRUST

Is It The Right Time To Buy A Boat?

Whether this is your first boat or you are a seasoned pro, let the team at Allegiance help you decide if it's the right time to get the boat of your dreams! Our member service staff are always available to offer trusted advice and guidance while empowering our members to make sound financial decisions. 

Our goal is to give you lending solutions that make your life easier. That is why our Boat Loans include not just your new ride, but your new motor and trailer too!  We’re here to make sure you get the best boat loan rates and have the best buying experience possible. 

 

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It’s hard enough finding the best boat to fit your needs. We want to keep the boat financing process simple and seamless. Let our team of experts help you get the best Boat Loan so you can stop wishing for your next adventure, and start planning it!

You can count on the lending team at Allegiance to help you get an affordable Boat Loan that fits perfectly into your monthly budget. Don't wait any longer, the open water is calling.

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FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

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It’s not required, but suggested so that you’ll have extra bargaining power when it comes to the negotiations. Knowing how much you’re approved for ahead of time also helps you stick within your budget.

Yes, as long as you are an Allegiance member or qualify for membership, we will be happy to help you purchase a boat located in a state outside of Oklahoma.

Yes, Allegiance offers 100% financing on Boat Loans. Please contact us for specific details to see if your boat qualifies.

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Free Financial Calculators

Access our complete library of both loan and deposit calculators.

CHECK THEM OUT!