Texas Boat Loans
Skim across a quiet lake. Find a favorite fishing spot. Cruise into the sunset. Take to the water any way you want with affordable rates on boat loans.
New & Used Boat Financing
Easy online applications. Quick approvals. When you apply for one of our boat loans, you'll encounter plenty of smooth sailing. You're on your way to enjoying what you've worked hard and saved for.
- Financing available for new and used boats
- Competitive rates as low as 8.00% APR*
- Flexible repayment options
- No down payment
- No pre-payment penalty
- Easily manage your loan online or through our mobile app
Questions? We can help.
Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST
Talk to an Account Specialist
972-705-4840
Get a personalized consultation.
CUTX Boat Financing Benefits Include
Apply Online
We're certain our easy online loan application process will float your boat.
Digital Document Delivery
Go from approved to funded all from the comfort of your own home.
Fast Approvals
Spend less time waiting and more time out on the water.
Start Saving Now
Not ready to buy just yet? Set up recurring transfers in Online and Mobile Banking to build your savings account for the right time.
Manage Anywhere
Manage your loan payments and monitor your account, even from your boat's deck.
RVs & Campers
More into landlubber relaxation? We can also offer low rates on your Camper or RV Loan.
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Financial CalculatorsGeneral Recreational Loan FAQs
How do I make a payment on my boat loan?
We offer several options to make it as convenient as possible for you.
- If you are a CUTX member, log into online banking(Opens in a new Window) and make a payment with a funds transfer
- If you're not a member, use your financial institution to pay via Bill Pay
- Set up AUTO PAY, Save the hassle of making your future payments
- Use our Recreational Buying Service to search for your next new or used vehicle and lock in a great price
- Make a payment through the payment system
- Use any of our channels of communication to receive a secure link to submit your payment. Reach out to us via chat or phone (214) 818-3231 and speak to our virtual agent Bethany. Bethany can send you a link to process your payment.
Why would I get pre-approved for a Boat loan?
When you're pre-approved before you shop, you know exactly how large a monthly payment you qualify for. This helps you narrow your search to cars you can afford. It also puts you in a better negotiating position with dealers who might otherwise craft a deal that would create a financial problem for you. Lenders who are not dealers don’t have cars to sell, and therefore tend to make loans that aren't risky for you.
Should my boat loan term be 24, 36, 48, 60, or 72 months?
a. That all depends on your financial situation and how and when you want to pay off your loan. A general rule of thumb is the longer your term, the lower your monthly payments can be. For $20,000 borrowed over 60 months at 4.50% APR, the monthly payment is $373. This example is an estimate only and assumes all payments are made on time.
How long does it take to get a boat loan?
Recreational loans can often be approved in only a few minutes, especially if you call or apply online. If you want to work directly with a person, you can always stop by one of our locations.
Where do I send proof of insurance?
You can click here(Opens in a new Window) and provide the declaration page provided by your insurance company that shows Credit Union of Texas listed as lienholder. Keep in mind, a copy of your insurance card is not acceptable for this documentation.
If you'd rather send us your proof of insurance by mail or fax, please use this address or number:
CUTX
PO Box 690588
San Antonio, TX 78269
Fax: 866-830-7922
(This address is for providing proof of insurance only. Please do not send your loan payments to this address.)
If you have other questions, call us at 866-382-0069.
Why CUTX?
Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.
I always feel like I’ve been given the best advice for me and my family. They really do put their members first.
Sonya M.
I simply love this credit union location. My family has gotten several auto loans and personal loans there. I have been a member for over 30 years and my children have accounts also.
Laretha S.
We're Here To Help
Visit your local branch
We have several locations in DFW and East Texas. Come see us!
Ready to apply?
Apply online now or get started if you need assistance with your application.
*APR=Annual Percentage Rate. Rate shown is the lowest rate available for recreational loans up to 36 months for models 5 years or newer. Finance options for models more than 5 years old are also available. Representative example of repayment terms: For $20,000 borrowed over 36 months at 8.00% APR, the monthly payment is $627.01 (with 30 days to the first payment). For $20,000 borrowed over 60 months at 8.05% APR, the monthly payment is 406.21 (with 30 days to the first payment). This example is an estimate only and assumes all payments are made on time. Maximum term for loan amounts of $10,000 - $49,999 is 84 months. Minimum finance amount of $50,000-$75,000 for terms up to 120 months. This is not a commitment to lend. Loans and rates are subject to credit approval and loan program guidelines. Advertised rates and terms are subject to change without notice. Additional terms and conditions apply. Recreational vehicle loans include boats, motor homes, travel trailers, and campers. Membership required.