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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 up to 72 months on 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 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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APR* Term
4.49% APR-18.99% APR 0-36 months
4.74% APR-6.24% APR 37-60 months
5.99% APR-7.99% 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 10-1-2020.

APR* Term
4.49% APR-18.99% APR 0-36 months
4.74% APR-6.24% APR 37-60 months
5.99% APR-7.99% 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 10-1-2020.


Loan Calculator

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


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.
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 Auto Protection) Plus helps cover you 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 rest and "closing the gap." The "Plus" part is an additional benefit of a $1,000 deduction towards your next loan when you finance with ACU within 90 days of the GAP settlement. You can add GAP Plus 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. This protection could cancel your loan balance or loan payments up to the contract maximums so your family can worry a little bit less about tomorrow. 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 payments 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 the 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-3109092.1-0620-0622 © CUNA Mutual Group 2018, 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; 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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