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Watersports Loans

Cruise the Gulf Coast in your own boat or jet ski.

Floridacentral Watersports Loans help eligible borrowers finance new and used boats, Jet Skis, and other qualifying personal watercraft. With competitive rates, flexible repayment terms, pre-approval options, and local lending decisions, you can finance your next watercraft with confidence.  

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Ride the Waves at a Competitive Rate

Floridacentral Watersports Loans may be used to finance eligible new and used boats, Jet Skis, and other qualifying personal watercraft. Rates are available as low as 6.99% APR1, with terms up to 72 months and extended terms available for qualifying watercraft.

Loan Features

  • Get pre-approved for extra bargaining power at the dealership
  • Refinance an eligible boat or personal watercraft loan from another financial institution to potentially lower your interest rate, reduce your monthly payment, or adjust your loan term.
  • Protect yourself from the unexpected with our payment protection options

A $5 monthly maintenance fee may apply but can be waived when qualifying account requirements are met.

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Get Pre-Approved Before You Shop

Pre-approval helps you understand your budget before visiting a dealership and gives you additional confidence when it is time to choose your boat or personal watercraft.

Additional Benefits

  • Shop knowing your approved budget
  • Potentially strengthen your negotiating position
  • Simplify the financing process
  • Refinance an eligible watercraft loan from another lender
  • Receive personalized guidance from Floridacentral’s lending team
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Watersports Loan Rates

Review current rates for eligible new and used boats, Jet Skis, and other qualifying personal watercraft. Your final rate will depend on factors such as creditworthiness, the watercraft type and age, the loan amount, and the repayment term.

Loan TypeAPR2Term3
Watersport – Newas low as 6.99%Up to 84 months, and extended terms up to 120 months available for qualifying watercraft
Watersport – Usedas low as 7.05%Up to 84 months, and extended terms up to 120 months available for qualifying watercraft

New Watersport:
A Watersport loan on a New Watercraft with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.

Used Watersport:
A Watersport loan on a Used Watercraft with a term of 72 months, an APR of 7.05%, and no down payment would have an estimated monthly payment of $17.08 per thousand dollars borrowed.

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Estimate Your Monthly Payment 

Use our watersports loan calculator to estimate your monthly payment based on the loan amount, interest rate, and repayment term you’re considering. 

Financial solutions designed to support your next adventure on and off the water.

Financial solutions designed to help you enjoy every mile.

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Explore financing for RVs, motorcycles, ATVs, UTVs, and other eligible vehicles.

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Build your savings while earning competitive dividends on your balance.

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Flexible financing for life’s adventures and unexpected expenses.

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Financial Wellness Tools

Explore calculators, articles, and resources to help you make informed financial decisions.

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Watersports Loan FAQs

Have questions about financing your next boat, Jet Ski, or personal watercraft? We’re here to help.

Yes. Floridacentral offers financing for both new and used boats, jet skis, and other personal watercraft, subject to credit approval and vehicle eligibility.

Yes. Pre-approval helps you understand your budget before visiting a dealership and can strengthen your negotiating position.

Yes. If your loan is with another financial institution, refinancing with Floridacentral may help you lower your rate or monthly payment, depending on your qualifications.

Your rate is based on several factors, including your creditworthiness, the type and age of the watercraft, the loan amount, and the repayment term you choose.

You’ll typically need a valid photo ID, proof of income, and information about the watercraft you’re purchasing. Our lending team will let you know if any additional documentation is needed.

Eligible watercraft may include new and used boats, Jet Skis, and other qualifying personal watercraft. Eligibility may depend on the year, make, model, condition, value, and Floridacentral lending requirements.

Standard loan terms may be available for up to 72 months, with terms up to 120 months available for qualifying watersports vehicles. Available terms depend on the watercraft, loan amount, credit qualifications, and other lending requirements.

Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you find the financing that’s right for your next adventure on the water.

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Disclosures

1 APR - Annual Percentage Rate based on individual applicant’s creditworthiness, year, make, model of vehicle, and term of the loan. Rates, terms, and conditions are subject to change without notice. Terms up to 120 months are available for qualifying recreational vehicles. Restrictions apply.

2 APR - Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make and model of vehicle, and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Terms up to 120 months are available for Recreational and Watersport vehicles. Rates effective as of September 30, 2026.

3 May be eligible for longer terms, subject to approval, rate may be higher.