Skip to Content loading...

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply

Listerhill Credit Union (en-US)

couple_memberpromo_202602
Boat Loans

Boat Loans

Smooth sailing starts with the right financing

Turn weekends and vacations into waterborne adventures with your family and friends! Splash out on a boat of your own with Listerhill’s great deals on financing for both new and used watercraft. 

Our competitive boat loans feature:

  • Low interest rates
  • Repayment terms to fit your budget
  • Fast application process
  • Borrow up to 100% of your boat's cost*
  • No application fees — ever!

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
View Rates
Boat Loans

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
CAST OFF FOR GOOD TIMES AFLOAT IN A BOAT OF YOUR OWN
Affordable Fun

With our low-interest APRs**, a boat of your own is an investment in years of fun and relaxation.

New and Used Boats

Listerhill finances both new and used watercraft, so you can get the boat you want.

Easy Apply, Fast Approvals

Complete an application online in as little as 10 minutes. Receive your pre-approval within days.

As Little as $0 Down

Finance the full cost of your boat, with no down payment required from well-qualified borrowers.

No Maintenance Fee

Enjoy no maintenance fee with your Listerhill membership while your loan is open.

Many Ways to Pay

Make payments through Online or Mobile Banking, automatic payments, or at your local branch.

Steer a Course for Adventure with Listerhill Boat Financing

Whether you’re making waves or soaking up the sun, time on the water is time well spent. With a low-rate, no-hassle boat loan from Listerhill Credit Union, getting there is easier than you think.

Here’s what you can expect with our boat loans:

  • Competitive Interest Rates: Enjoy lower rates than those typically offered by banks or online lenders—so more of your money stays in your pocket.
  • 100% Financing Available: Finance up to the full purchase price of your boat and keep your savings intact.
  • Flexible Repayment Terms: Find a term that fits your budget with
    •  
      • 72-180 months on new boat loans
      • 60-180 months on used boat loans
  • New and Used Boat Financing: Whether you’re buying new or used, we’ll help you find financing that fits your plans.
  • Local Expertise You Can Trust: As your neighborhood credit union, our local team is here to guide you through the financing process with confidence and care.

Ready to take the next step toward your boat adventures?

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
default icon for

Listerhill Credit Union Boat Loan Rates

Recreational Loans
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 9.49% 84 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.49% 72 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.24% 60 Months
New Motorcycle or ATV/UTV as low as 8.99% 72 Months
New Motorcycle or ATV/UTV as low as 8.24% 60 Months
Used Motorcycles or ATV/UTV as low as 8.74% 60 Months
New Motor Homes as low as 9.24% 180 Months
New Motor Homes as low as 8.74% 120 Months
New Motor Homes as low as 8.25% 84 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.74% 180 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.24% 120 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 8.25% 84 Months
Used Travel Trailer or 5th Wheel as low as 9.74% 180 Months
Used Travel Trailer or 5th Wheel as low as 9.24% 120 Months
Used Travel Trailer or 5th Wheel as low as 8.74% 84 Months
Used Travel Trailer or 5th Wheel as low as 8.25% 72 Months
New Boat as low as 9.49% 180 Months
New Boat as low as 9.24% 144 Months
New Boat as low as 8.99% 120 Months
New Boat as low as 8.04% 84 Months
New Boat as low as 7.74% 72 Months
Used Boat as low as 10.49% 180 Months
Used Boat as low as 10.24% 144 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 9.99% 120 Months
Used Boat as low as 8.74% 72 Months
Used Boat as low as 7.74% 60 Months
New Waverunner or Personal Watercraft as low as 8.54% 84 Months
New Waverunner or Personal Watercraft as low as 8.24% 72 Months
Used Waverunner as low as 9.50% 72 Months
Effective 4/1/2026

All rates and terms are subject to change without notice. Additional terms may be available. See a member advocate for more details.

Apply for Your Boat Loan in 3 Easy Steps

Step

1

Apply Online
Click the button below to complete your online application.

Step

2

Accept Your Preapproval Offer
Agree to the loan amount, rates, and terms offered.

Step

3

Go Boat Shopping!
Use your check to buy your boat and get ready to head out on the water!

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply

★★★★★

“I have been banking with Listerhill for over 2 years now and everytime I go in I'm greeted with a smile and positive attitudes.”

— Daniel P., Cullman, AL

 

Boat Loan FAQs

  • How long will a credit union finance a boat?

    Different lenders offer different terms on boat loans. At Listerhill Credit Union, our not-for-profit status allows us to offer our members a wider choice of loan terms to meet their unique needs. We offer boat loans with terms between 60 and 180 months.

  • How much is a payment on a $30,000 boat?

    Your monthly boat loan payment depends on several factors, including the interest rate you qualify for, the loan term you choose, and any additional fees that may be included in your payment. To give you a general idea, here are a few example monthly payments for a $30,000 boat loan:

    • 180-month term at 7.00% APR: approximately $270 per month
    • 120-month term at 6.50% APR: approximately $340 per month
    • 72-month term at 6.00% APR: approximately $495 per month
    • These examples are for illustrative purposes only and may not reflect your actual rate or payment. Your specific payment will depend on your credit profile, loan details, and final loan terms.

    For a personalized estimate, use our loan calculator above or speak with a Listerhill loan specialist—we’re happy to help you explore your options.

  • What’s a good interest rate for a boat loan?
    The interest rate you are offered depends on many factors, such as your income, length of employment, debts, credit, and the purchase price of the boat. Longer-term loans will cost more in interest over time. In the current market, Listerhill Credit Union is offering boat loans with APRs between 6.99% and 8.74%.
  • What is the typical loan term for a boat?
    Boat loans usually have longer terms than auto loans, since boats often come with a higher purchase price. While longer loan terms can mean lower monthly payments, they may also result in more interest paid over the life of the loan. At Listerhill Credit Union, we offer boat loan terms ranging from 60 to 180 months, giving you the flexibility to choose a term that fits your budget and financial goals. The loan term you select will impact both your monthly payment and the total amount of interest you pay over time.
  • Are boat loans hard to get?

    Boat loans aren’t necessarily hard to get, but they can be different from auto loans. Because boats are considered a recreational purchase, lenders may evaluate applications a bit more carefully than they do for vehicles used for daily transportation. 

    As a result, loan terms for boats can also be higher than those charged for cars. Your approval and interest rate will depend on factors like your credit score, income, debt-to-income ratio, and the type of boat you’re financing. At Listerhill Credit Union, we take a personalized approach—working with you to find financing options that fit your financial picture and help make boat ownership more accessible.

  • What’s a good credit score for a boat loan?
    Lenders look at several factors when deciding whether to extend credit, including your credit score. As a result, there is no specific score needed to get approved for a boat loan. That said, a score of about 680-700 is generally considered good for being approved for a loan with a reasonable interest rate. You’ll pay less interest if you have a higher credit score, while those with excellent credit will qualify for the best available rates.
  • How do I get approved for a boat loan?

    Getting approved for a boat loan starts with applying for pre-approval at Listerhill Credit Union. You’ll need to become a member to apply, and there’s no application fee.

    You can complete your loan application online, over the phone, or at a Listerhill branch—whatever’s easiest for you. During the application process, we’ll ask for basic information about your income, employment, and existing financial obligations so we can recommend the best options for your situation.

    In most cases, Listerhill is able to review and process boat loan applications within a few business days, helping you move forward with confidence.

Additional Products
Accident Prevention
Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Auto Insurance
Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

Whats It Worth
What’s It Worth?

Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.

Calculators
How Much Can You Afford?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

View Calculators
Participating Dealerships
Vehicle and loan on the spot.

When you purchase your new or used recreational vehicle at a participating dealership, you can finance your vehicle through Listerhill and complete your transaction on the spot. All of the paperwork is taken care of at the dealership. You enjoy the same great Listerhill rates and services without an additional trip to your local branch.

Find A Dealership Near You
Additional Questions?

Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

© 2026 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
FAQs
Privacy & Security
Accessibility Statement
default icon for intro
What can we help you with? *
default icon for borrow
What are you borrowing for?
default icon for vehicleOptions
Vehicle Options
default icon for homeOptions
Home Options
default icon for save
What are you saving for?
default icon for forMyKidsOptions
How old are your kids?
default icon for everydayBanking
Which of these banking options are you interested in?
default icon for checkingOptions
How old are you (or your child)?
default icon for purchasingPowerOptions
How old are you?
default icon for checking15Options
What kind of account are you looking for?
search popup background

What are you looking for?

Common Links

Support
Get the help you need, the way you need it.
Locations
Find everything you need to know about any branch.
Pre-Owned Vehicles & Foreclosures
Find a pre-owned vehicle or foreclosure.

Frequently Asked Questions

  • Will this upgrade affect my Online or Mobile Banking?

    Not at all. Those services remain unchanged.

  • What if I forget my code?

    We can verify your identity and easily reset it for you.

  • Will I still be able to speak with a representative?

    Absolutely. Our Support team are still available just as before - the new system simply connects you to them more quickly and securely.

  • How do I set up my code?

    Our Support team can help you set it up during your first call to the new system, OR you can call Automated Access at 256-381-5555 to set it up anytime.

  • What is an Automated Access Code?

    A four-digit code that verifies your identity when you call. It also lets you use our Automated Access service 24/7, 365 days a year.

We use cookies to ensure you get the best experience on our website. Learn More