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)

Adobe Stock 1450159473
Jet Ski Loans & Personal Watercraft Financing

Jet Ski Loans & Personal Watercraft Financing

Get on the water faster with financing you can trust.

Unleash the good times with a jet ski or Waverunner of your very own. Treat your family and friends to the power and exhilaration only a personal watercraft delivers. Listerhill puts adventure within reach with purpose-built jet ski loans that will have you hitting the water for less than you think.

Our competitive jet ski loans feature: 

  • Funding for new and used personal watercraft
  • Low interest rates
  • Repayment terms to fit your budget
  • Borrow up to 100% of your personal watercraft'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
Jet Ski Loans & Personal Watercraft Financing

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
MAKE WAVES WITH OUR AFFORDABLE JET SKI LOANS
Splash Out for Less

Enjoy more fun in the sun. With our great rates, a personal watercraft is more affordable at Listerhill.

Applying is a Breeze

We skip the application fee to lower the upfront cost of your loan. Find out rate and term options for free.

Ready to Go Funding

Shop with confidence. Get the nod for financing with online loan preapproval in just a few easy steps.

As Little as Zero Down

Save even more on your loan. We offer up to 100% financing for well-qualified borrowers.

Smooth Repayment Ride

With financing of up to 84 months, spread the cost of your purchase to make it more manageable.

Keep It Local

To us, you’re more than a number. Our in-branch loan team supports you every step of the way.

Everything You Need to Know About Our Jet Ski Loans

Why keep the good times waiting? Throttle up the fun with a new or used personal watercraft of your own. Listerhill puts you in the driver’s seat with simple, accessible loan financing powered by our trademark low rates and flexible terms.

What to expect with our personal watercraft loans: 

  • Competitive Rates: Unlock some of the best APRs** you’ll find in the Southeast.
  • Flexible Repayment Terms: Find a term that fits your budget with:          
  • Up to 84 months on new watercraft
  • Up to 72 months on used watercraft
  • Streamlined Application: Enjoy a hassle-free online application process you can complete at your convenience, and quick loan decisions.
  • Pay It Your Way: Make payments through Online or Mobile Banking, automatic payments, or at your local branch.
  • No Maintenance Fee: Charged on your Listerhill membership while your loan is open.

Ready to suit up for excitement? Click below to get your jet ski loan application started!
 

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 Personal Watercraft Loan Rates

Recreational Loans

Effective 5/1/2026
Loans APR as low as (%) Term (Months/Years)
New Motor Homes 8.49% 180 months
New Motor Homes 7.99% 120 months
New Motor Homes 6.99% 84 months
Used Motor Home 8.99% 180 months
Used Motor Home 8.49% 120 months
Used Motor Home 7.50% 84 months
New Travel Trailer or 5th Wheel 8.49% 180 months
New Travel Trailer or 5th Wheel 7.99% 120 months
New Travel Trailer or 5th Wheel 6.99% 84 months
Used Travel Trailer or 5th Wheel 8.99% 180 months
Used Travel Trailer or 5th Wheel 8.49% 120 months
Used Travel Trailer or 5th Wheel 7.99% 84 months
Used Travel Trailer or 5th Wheel 7.50% 72 months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 8.24% 84 months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 7.24% 75 months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 6.99% 60 months
New Motorcycle or ATV/UTV 7.74% 75 months
New Motorcycle or ATV/UTV 6.99% 60 months
Used Motorcycles or ATV/UTV 7.99% 60 months
New Boat 8.49% 180 months
New Boat 8.24% 144 months
New Boat 7.99% 120 months
New Boat 6.99% 84 months
New Boat 6.74% 72 months
Used Boat 9.74% 180 months
Used Boat 9.49% 144 months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) 9.24% 120 months
Used Boat 7.99% 72 months
Used Boat 6.99% 60 months
New Waverunner or Personal Watercraft 7.49% 84 months
New Waverunner or Personal Watercraft 7.24% 72 months
Used Waverunner 8.75% 72 months
Loans New Motor Homes
APR as low as (%) 8.49%
Term (Months/Years) 180 months
Loans New Motor Homes
APR as low as (%) 7.99%
Term (Months/Years) 120 months
Loans New Motor Homes
APR as low as (%) 6.99%
Term (Months/Years) 84 months
Loans Used Motor Home
APR as low as (%) 8.99%
Term (Months/Years) 180 months
Loans Used Motor Home
APR as low as (%) 8.49%
Term (Months/Years) 120 months
Loans Used Motor Home
APR as low as (%) 7.50%
Term (Months/Years) 84 months
Loans New Travel Trailer or 5th Wheel
APR as low as (%) 8.49%
Term (Months/Years) 180 months
Loans New Travel Trailer or 5th Wheel
APR as low as (%) 7.99%
Term (Months/Years) 120 months
Loans New Travel Trailer or 5th Wheel
APR as low as (%) 6.99%
Term (Months/Years) 84 months
Loans Used Travel Trailer or 5th Wheel
APR as low as (%) 8.99%
Term (Months/Years) 180 months
Loans Used Travel Trailer or 5th Wheel
APR as low as (%) 8.49%
Term (Months/Years) 120 months
Loans Used Travel Trailer or 5th Wheel
APR as low as (%) 7.99%
Term (Months/Years) 84 months
Loans Used Travel Trailer or 5th Wheel
APR as low as (%) 7.50%
Term (Months/Years) 72 months
Loans New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000
APR as low as (%) 8.24%
Term (Months/Years) 84 months
Loans New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000
APR as low as (%) 7.24%
Term (Months/Years) 75 months
Loans New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000
APR as low as (%) 6.99%
Term (Months/Years) 60 months
Loans New Motorcycle or ATV/UTV
APR as low as (%) 7.74%
Term (Months/Years) 75 months
Loans New Motorcycle or ATV/UTV
APR as low as (%) 6.99%
Term (Months/Years) 60 months
Loans Used Motorcycles or ATV/UTV
APR as low as (%) 7.99%
Term (Months/Years) 60 months
Loans New Boat
APR as low as (%) 8.49%
Term (Months/Years) 180 months
Loans New Boat
APR as low as (%) 8.24%
Term (Months/Years) 144 months
Loans New Boat
APR as low as (%) 7.99%
Term (Months/Years) 120 months
Loans New Boat
APR as low as (%) 6.99%
Term (Months/Years) 84 months
Loans New Boat
APR as low as (%) 6.74%
Term (Months/Years) 72 months
Loans Used Boat
APR as low as (%) 9.74%
Term (Months/Years) 180 months
Loans Used Boat
APR as low as (%) 9.49%
Term (Months/Years) 144 months
Loans Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000)
APR as low as (%) 9.24%
Term (Months/Years) 120 months
Loans Used Boat
APR as low as (%) 7.99%
Term (Months/Years) 72 months
Loans Used Boat
APR as low as (%) 6.99%
Term (Months/Years) 60 months
Loans New Waverunner or Personal Watercraft
APR as low as (%) 7.49%
Term (Months/Years) 84 months
Loans New Waverunner or Personal Watercraft
APR as low as (%) 7.24%
Term (Months/Years) 72 months
Loans Used Waverunner
APR as low as (%) 8.75%
Term (Months/Years) 72 months

All Recreational Loan rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the credit worthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate.

Relationship pricing discounts apply to recreation loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 6% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Apply for Your Jet Ski Loan in 3 Easy Steps

Step

1

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

Step

2

Accept Your Pre-Approval Offer
Agree to the loan amount, rates, and terms offered.

Step

3

Buy Your Ride
Use your check to buy your jet ski and get ready to hit the water!

Get Started

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’ve been with Listerhill Credit Union for a long time and have always been pleased with their handling of all things, whether it's with the ease of general banking, the fairness of their loans, or the friendly service that greets me.”

- Rachel N., Double Springs, AL.

Jet Ski Loan FAQs

  • What does Annual Percentage Rate (APR) mean?

    The Annual Percentage Rate or APR represents the total annual cost of your loan, including both the interest rate and any applicable fees. It provides a fuller picture of what you’ll actually pay over the life of your loan.

    When comparing loan offers, the APR makes it easier to determine which option is the best fit for your budget, as it considers all the costs associated with the loan instead of just looking at the interest rate.

  • What is a personal watercraft loan?

    A personal watercraft loan provides you with cash you can use to buy a jet ski, Waverunner, or another type of small watercraft. Interest is charged on the money you borrow at an agreed rate, and the loan amount plus interest is repaid with loan payments over a predetermined term. Use our handy Personal Watercraft Loan Calculator to see the total cost of your financing at different loan interest rates and terms.

  • What credit score do you need to buy a jet ski?

    Most lenders require a credit score of 600 or higher to finance a jet ski or other personal watercraft, though scores above 670–700 typically achieve better interest rates. Lenders do look at other factors apart from your credit score, so it may be possible to find a loan with a lower score, but you will most likely pay a higher interest rate.

  • How long is a jet ski loan?

    At Listerhill Credit Union, we finance new jet skis for up to 84 months and second-hand personal watercraft for up to 72 months.

  • Is owning a jet ski expensive?

    A new jet ski can have a purchase price anywhere between $5,000 and $20,000. It’s also necessary to buy associated equipment, including a trailer and towing accessories, which can also add up to several thousand dollars. Apart from regular maintenance, the largest costs associated with owning a jet ski are fuel, as well as extra gas for towing your watercraft to nearby beaches, lakes, dams, or rivers.

  • Is it hard to get a jet ski loan?

    Jet ski loans are usually relatively easy to get, but it does depend on factors such as the value of the watercraft you are buying, as well as the loan term you are seeking. Higher-value and longer-term loans will be harder to access. Getting a jet ski loan is also usually straightforward, provided you have an average to good credit score, a steady income, and limited debt.

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

  • Do I have to be a Listerhill member to apply?

    You can apply as a current member or become a member during the application process if you meet eligibility and credit requirements.†

  • What does 0% APR for 12 months mean?

    It means you won't be charged interest on qualifying purchases for the first 12 months after opening your new Listerhill Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, or Keystone Platinum® credit card.†

  • How long does the 0% APR last?

    This introductory 0% APR offer applies for 12 months from account opening.†

  • Do current Listerhill credit cardholders qualify?

    No; current Listerhill Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, and Keystone Platinum® credit cardholders are not eligible for this offer, but other promotions may be available.

  • Who qualifies for the 0% APR for 12 months offer?

    This offer is available to new Listerhill Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, and Keystone Platinum® credit cardholders and is subject to credit approval.‡

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