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Get ready to enjoy some outdoor water fun with help from our competitive-rate financing.

Whether you’re looking to buy a boat or carve up the waves in a shiny new jetski, Heritage Community Credit Union can make that dream a reality. Our competitive loan rates and friendly repayment terms will allow you and your family to enjoy years of fun on the water.

Has your income or credit score improved? We can also help you refinance an existing boat or jetski loan so you can take advantage of more favorable terms.

Details About Our Personal Watercraft & Boat Loans

  • Competitive credit union rates
  • Flexible terms to fit your unique needs and budget
  • Loan protection options so you can enjoy your time in the water with no hassle or concern.
  • Local decision-making and processing here in the Greater Sacramento Area
  • Our local experts will guide you throughout the entire process.

All loans are subject to approval.

You can apply for a personal watercraft or boat loan if you live, work, worship, or attend school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties and become a member of Heritage Community Credit Union.

FAQ About Personal Watercraft & Boat Loans in Sacramento

Why should I get financing pre-approval?

Answer: Getting pre-approved will allow you to negotiate from a position of power. 

  • You’ll know exactly how much you can spend

  • You can avoid hidden fees when financing through the dealership

You’ll have ample time to consider the rates and terms details without feeling like the dealership is pressuring you on the spot.

Who is eligible to apply for a boat or personal watercraft loan?
Answer: Anyone who is a member of Heritage Community Credit Union can apply for a personal watercraft or boat loan. Signing up is easy!
What will affect the loan rate that I get?
Answer: Heritage Community Credit Union will offer you a competitive loan rate based on your credit score and overall financial situation.
What kind of watercraft can I buy with my loan?

Answer: You’re can buy any type of personal watercraft or boat, including but not limited to:

  • Fishing boats

  • Pleasure boats

  • Skiing boats

  • Jet Skis

  • Sea-Doos

  • WaveRunners

How can I refinance my boat or personal watercraft?
Answer: We make it easy to refinance your boat or personal watercraft. Our loan experts will sit down with you and go over your options. We’ve helped countless members refinance their jetskis or boats—and we can do the same for you!