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Routing #311079270

Close up of a young couple sitting on a boat dock with a boat in the background

Boat Loans

Boat Loans in Dallas and Across Texas. Enjoy rates as low as 6.24% APR‡ and flexible terms so you can enjoy life on the water with affordable payments!


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Flexible Terms That Fit Your Budget

Choose repayment terms from 36 to 180 months to match your ideal monthly payment.

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Rates as low as 6.24% APR‡

Lock in a competitive rate so more of your payment goes toward your loan—not interest.

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Local Experts You Can Trust

Serving Texas for over 96 years, our team is here to guide you every step of the way.




Key Details about Boat Loans in Texas

Best For

Texas residents looking to finance a new or used boat with flexible terms and competitive rates.
Amount Loans starting at $10,000 with financing up to 100% of MSRP 
Interest Rate As low as 6.24% APR for new and used boats.‡ View all rates here.
Terms

Flexible repayment terms from 36 to 180 months
 
 
‡Must be 18 years or older and must be a member of Neighborhood Credit Union. Credit application and approval required. Rates are accurate as of 04/16/2026 and are subject to change without notice. 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. Minimum loan amount of $5,000 required. Title fees also apply to refinances. Other fees may include, vessel/motor fee of $130 and trailer fee of $75. Other restrictions may apply. Payment Example: Monthly payment is approximately $16.86 per $1,000 borrowed for a 72 month Boat/RV Loan at6.24% APR. 




Get $1,000 towards your next purchase in the event of a total loss. 

In the event of a total loss, GAP coverage helps cover the difference between what you owe and your insurance payout.

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!


 
 

family of three happy in front of their r vLooking for other vehicle 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.
  



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.


 

Refer a Friend and Earn$200 Cash

Know someone shopping for a loan? Refer them and earn when they finance with Neighborhood CU. 

Here's the simple application process for our boat loans in Texas:

STEP 1

Apply Online

Apply online in minutes using our secure portal to submit your personal and financial information.

STEP 2

Get Pre-Approved

We’ll review your application and, if approved, provide your loan amount, rate, and terms so you can shop with confidence.

STEP 3

Go Boat Shopping!

Shop for your boat with financing ready, 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 includes the maximum 0.50% discount for new and used auto loans and 0.35% discount for auto loan refinancing. 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 (not applicable for refinancing). Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check. Rates subject to change. Equal Opportunity Lender.
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FAQs about Boat Loans in Texas

Yes, Neighborhood Credit Union offers boat loans to members across Dallas, the DFW Metroplex, and throughout Texas. You can apply online or work with our local team to get started.

Boat loan rates vary based on credit, loan term, and other factors, but qualified borrowers may receive rates as low as 6.24% APR. Check current rates or apply to see your personalized offer. 

Boat loan terms typically range from 36 to 180 months. Longer terms can help lower your monthly payment, while shorter terms may reduce the total interest paid over time.

Down payment requirements vary depending on your loan and qualifications. Some borrowers may qualify for up to 100% financing, while others may need to provide a down payment.

You can apply online in just a few minutes using our secure application. Once approved, you’ll receive your loan amount, rate, and terms so you can shop for your boat with confidence.
 
†Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.