The Best Boat Loans in Ohio
Set your own course. Our easy, convenient financing lets you explore Ohio’s beautiful lakes and rivers on your own time.
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Boat Ownership is a Breeze with Best Reward FCU
Ownership on Your Terms
Get financing to match your dreams with a loan right-sized to your ownership goals.
Competitive Rates
Our great boat loan APRs make it easy to stay afloat with affordable monthly payments.
Easy Application
Get pre-approved for your boat purchase without getting tied up in paperwork.
Take Advantage of Our Boat & RV Loan Rates
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TYPE OF LOAN |
APR* (as low as) |
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Boats & RVs (2024 to 2023)* |
8.20% |
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Boats & RVs (2022 & Older)* |
8.45% |
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Smooth Sailing with a Best Reward Federal Credit Union Boat Loan
Boat ownership offers hours of fun and freedom for you and your family, but buying a boat is a big step. At Best Reward FCU, we offer the service, rates, and flexible terms you need to get on the water.
Talk to us about:
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Fast, Flexible Financing
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Competitive Rates
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Friendly, Personal Service
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Terms Tailored to You
Cleveland born and bred, at Best Reward FCU we know you’re never far from the water in Ohio. We provide affordable lending so you can cast off sooner.
Start your voyage. Apply for a boat loan today.
Apply Now
Our Boat Loan Application Process is Fast and Secure
Step
1 |
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Apply Online
Gather your documents and fill out our simple online application. |
Step
2 |
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Receive a Response
We'll review your details and respond within a few business days. |
Step
3 |
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Access Your Funds
With a pre-approved loan in hand, It’s time to head to the dealer! |
Get Started
"We have banked with BRCU for many years. They are friendly, accurate, and the customer service is fantastic. They often go beyond the expected. That is what credit unions are all about." – Dean S.
"This is by far, the best Credit Union in every banking category👍🤗" – Lonnie T.
"The staff is fantastic! They are friendly and when I have questions they know the answers and steer me in the right direction as to what is best for my banking needs." – Sandra H.
Ready To Sail Into Boat Ownership?
At Best Reward FCU, we understand the special feeling of setting sail on the open water and we want to help you achieve your boat ownership goals.
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Credit Union Boat Loan FAQ
What is a typical boat loan term?
Terms on loans for boats can extend from 24 to 72 months, subject to credit approval. While longer loans mean smaller monthly payments, you’ll pay more over the life of the loan, and the value of your boat will depreciate more. It’s best to choose the shortest loan term you can afford to ensure you don’t owe more than it is worth. The fixed rate, terms, and conditions of each loan are determined by the borrower's credit qualification and loan-to-value (LTV) of the collateral.
Are boat loans hard to get?
Boat loans are generally more substantial than car loans and are secured against a depreciating asset, so qualified borrowers need a good credit score, a secure income, and a low debt-to-income ratio. As a member-owned financial co-op, we take the time to understand your full financial situation to determine if we can assist you with your financing.
More Ways Best Reward FCU Can Help With Your Financing
Vehicle Loans
A convenient, low-interest loan makes it easy to pay for your next car!
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Home Equity LOC
Get the cash you need as you need it to fund home DIY projects, debt consolidation, or a dream vacation.
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Personal Loans
A no-collateral, fixed-rate personal loan is a fast way to access the funds you need to make your life easier.
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APR = Annual Percentage Rate. Contact Best Reward Federal Credit Union for additional information. Rates and terms are subject to change without notice. The fixed rate, terms, and conditions of each loan are determined by the borrower's credit qualification and loan-to-value (LTV) of the collateral. Other rate discounts may apply. Lower credit grades and longer repayment terms result in higher interest rates. Additional conditions and/or restrictions may apply. Rates shown include a 0.25% discount for automatic payment transfer from a Best Reward Federal Credit Union account.