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Boat Loans

"The employees always make me feel as if they know me personally. They are very friendly and a pleasure to deal with. They seem to smile a lot."

A man using his smartphone to deposit his check James M.
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Make some waves

You can’t buy happiness, but you can buy a boat. That’s kind of the same thing. A loan from Arsenal is your key for casting off for rainbow trout in a fishing boat or soaking up some sun in a pontoon. Our low rates will help you get on the water in the boat of your dreams.

Why choose Arsenal?

You want the right financial boat mate. Here’s what sets us apart.

  1. 1

    Same rates for new and used boats

    We don't punish you for getting what you want. We offer the same rates on new and used boats.

  2. 2

    Pick your term

    Flexibility is everything. To keep your payments low and maintain affordability, up to 180-month financing is available. Minimum loan amounts apply to various terms offered.

  3. 3

    Skip payments

    Skipping a payment with us won't ruin your credit score. We allow you to skip a payment once per year, for up to five years, as long as you're in good standing. Ask for details.

Get moving

Applying for our loans is easy. You can fill out an application online, come into one of our branches or even get on-the-spot financing at many dealerships.

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Rates

APR* Term
5.75% APR-16.00% APR 0-60 months
6.75% APR-16.30% APR 61-120 months
7.25% APR-17.00% APR 121-144 months
8.00% APR-17.50% APR 145-180 months

New Boats (certificate of origin) - Up to 100% of MSRP financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-01-18.

APR* Term
5.75% APR-16.00% APR 0-60 months
6.75% APR-16.30% APR 61-120 months
7.25% APR-17.00% APR 121-144 months
8.00% APR-17.50% APR 145-180 months

Used Boats - Up to 90% of NADA retail value financed

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-01-18.

Calculator

Loan Calculator

Format: 12m, 36m, 3y, 7y

FAQs

You can apply for and get an Arsenal Credit Union loan at many dealerships throughout Missouri and Illinois. Be sure to insist on ACU financing when you are at these dealerships to get our low rates. This list does not indicate an endorsement for these manufacturers, dealers or services.
You have the opportunity to skip a payment once every 12 months, up to a maximum of five times over the life of your loan. Your eligibility is based on you keeping your loan current and in good standing (e.g. you have a responsible repayment history). You can choose which month you would like to skip by contacting us before the due date. The payment is deferred until the end of the term.
The only place to get a truly free credit report is AnnualCreditReport.com. You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.

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Add-on options

Why not handle everything in one place? Get a little more out of your recreational loan with these convenient add-ons.

  • GAP Insurance

    GAP (Guaranteed Auto Protection) helps cover you if your property is stolen or totaled. Most insurance will only cover the value of these in such instances, but you might owe more on your loan. GAP gives you peace of mind by covering the rest and "closing the gap." You can add GAP to your Arsenal loan at any time.

  • Credit Life/Credit Disability Insurance

    If something happens to you during the course of your loan, these insurance options are a welcome relief. Credit disability insurance can help make your loan payment (up to the policy maximum) on your vehicle if you become totally disabled due to a covered injury or illness. Credit life insurance will help you do the same should an unexpected life event occur.

  • Help protect your family against the unexpected with Debt Protection with Life Plus

    Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances. Life Plus adds protection for financially stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave and the loss of life of a non-protected dependent. It’s easy to apply for Debt Protection with Life Plus. It’s voluntary and won’t affect your loan approval. Call Arsenal Credit Union at 314.962.6363 and ask about protecting your loan today.

    Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DP-2098950. 1-0418-0520 © CUNA Mutual Group 2018, All Rights Reserved.

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  • Boat Insurance

    Arsenal members may qualify for discounts on boat insurance through the TruStage® Auto Insurance Program. TruStage offers a powerful mix of savings and popular, member-friendly benefits, including friendly, 24/7 service (even on holidays) and a mobile app for easy claims. Don’t wait to see how much you could save; visit TruStage.com.

    Offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. AHE, AHL-1661466.1

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