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Personal Watercraft (PWC) Loans

"The personnel are always helpful, friendly and willing to do the extra to get things done."

Man with a backwards cap, sunglasses and beard hanging out at the beach Mark P.
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Life was meant to be lived

Want to add some adventure to your life? Riding a personal watercraft is like no other experience on the water. Get a loan with a very competitive rate and generous terms, whether you are buying a new or used (up to 6 years old, including the current model year) craft.

Why choose Arsenal?

Here’s what sets us apart.

  1. 1

    Pick your term

    Flexibility is everything. Enjoy terms up to 84 months on new and used PWC. Minimum loan amounts apply to various terms offered.

  2. 2

    Bundle up

    You can bundle your title, tax and license costs right into the terms of your loan.

  3. 3

    Skip payments

    Skipping a payment with us won't ruin your credit score. We allow you to skip a payment once every six months (up to five times in total), 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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APR* Term
5.49% APR-19.99% APR 0-36 months
5.74% APR-7.24% APR 37-60 months
6.99% APR-8.99% APR 61-84 months

New Motorcycles and Personal Watercraft - (current model year and up to two previous model years with no previous title)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 2-1-2023.

APR* Term
5.49% APR-19.99% APR 0-36 months
5.74% APR-7.24% APR 37-60 months
6.99% APR-8.99% APR 61-84 months

Used Motorcycles/Pers. Watercraft (model previously titled and no more than six years old, includes current year) - Up to 115% of NADA retail value financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 2-1-2023.


Loan Calculator

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


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 Plus

    GAP (Guaranteed Asset Protection) Plus helps cover your loss if your vehicle is stolen or totaled. Most insurance will only cover the value of your vehicle in such instances, but you might owe more on your loan. GAP Plus insurance gives you peace of mind by covering the difference. The "Plus" part is an additional benefit of a $1,000 deduction toward your next loan when you finance your replacement vehicle with ACU within 90 days of the GAP settlement. You can add GAP Plus to your Arsenal loan at any time.

  • Debt Protection with Life Plus

    Do everything you can to take care of the ones you love. Take an important step toward financial security today with Debt Protection with Life Plus. Your family means everything to you. And if the unexpected happens, you don't want an emotionally trying situation to be compounded by financial worry. That's why there's Debt Protection with Life Plus which may cancel your loan balance or payments, up to the contract maximum, in the event of involuntary unemployment, disability or death. Call Arsenal Credit Union at 314.962.6363 and ask about protecting your loan today. If you already have this coverage or credit disability/life insurance on your loan with us, you can file a claim here.

    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-3415592. 1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.

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  • Personal Watercraft Insurance

    Arsenal members may qualify for discounts* on personal watercraft 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; call 1.844.524.2428 or visit TruStage.com.

    Offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. *Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. ©2021 TruStage Insurance Agency

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