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Boat/Yacht Loans

It's easy to keep above water with a loan from FNB.

Set sail in a new or used boat or yacht with a loan from FNB. Repayment terms are flexible, and you can receive a rate discount for automatic payment from an FNB Deposit Account. Whether you purchase through a dealer or private seller, we have the financing options to ensure there are only calm seas ahead.

To Apply Now or Schedule an Appointment:

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Game-changing. Time-saving. Apply for multiple financial products simultaneously with our eStore® Common app.

    • Arrows

      Flexible terms available4

    • Stack of Money

      Borrow from $25,000 - $125,000

    • Lock

      Attractive fixed interest rate

  • The Perfect Borrowing Vehicle:

    It's simple and easy to put yourself behind the wheel with a watercraft loan from FNB1. With a simple application, fast processing, and competitive rates, our watercraft loans are some of the best on the water.

    Key Features:

    • Loans available for new or used watercraft2,3
    • Flexible repayment terms available4
    • Maximum age of marine vessel is 8 years
    • Attractive interest rates5
    • Interest rate discount available when you set up automatic monthly payments6
    • Borrow from $25,000 - $125,000

    Important Considerations:

    Convenient Online Access:

    • Fast and free7 Online Banking, Mobile Banking, and Telephone Banking

  • Qualifying for an Boat/Yacht Loan:

    FNB uses the following factors, among others, when considering whether to approve your application:

    • Credit score
    • Employment history
    • Monthly debt payments and income
    • Amount and type of collateral

    To apply, you will need:

    Required Identification:

    • A non-expired ID (driver's license, state-issued ID, Military ID, passport or Permanent Resident Card and visa)

    Additional Information:

    While you won't need this to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked to:

    • Verify your income.
    • Provide bank statements.
    • Provide tax documents.

With any account, you also get the latest in digital technology:

Compare all of our accounts. This comparison chart makes it easy to compare all of our borrowing options.

Browse all

Compare all of our accounts. This comparison chart makes it easy to compare all of our borrowing options.

Compare all

Still not sure? Answer a few quick questions to help you find the right borrowing options.

Help me decide

Still not sure? Answer a few quick questions to help you find the right borrowing options.

Help me decide

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

  1. Article

    Refinance a Boat

    If you’ve discovered the original loan terms on your boat loan are less ideal than you’d hoped, you may want to consider refinanci...

  2. Article

    Buying a Boat

    Maybe you’ve decided to sail the high seas — or just fish on a local lake. Either way, there is a boat purchase in your future. Be...
Notices & Disclosures
1 - All loan products are subject to credit approval. 
2 - Maximum age for marine vessel is 8 years
3 - Subject to limitations wooden hulled vessels are not acceptable collateral
4 - Available terms vary based upon loan amount, collateral type and condition.
5 - Interest rate is dependent on loan term.
6 - Interest rate discount is available when you set up automatic monthly payments from an FNB account.
7 - Online Banking, Bill Pay, Mobile Banking and Telephone Banking are free to customers with an eligible account; however, there may be a fee for certain optional services. Mobile data and carrier fees may apply.

 

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