Boat Loans from Transport CU
Less Paperwork. More Water.
Transport Credit Union offers credit union boat loans for new and pre-owned boats, personal watercraft and jet skis. As a member owned credit union based in Tampa, we make our lending decisions locally, so you talk to someone who knows the water you are buying for.
Apply Now → Talk To A Loan SpecialistBoat Loans Across Tampa Bay
Buying a boat should feel like the start of an adventure, not a battle with a lender.
At Transport CU you are a member, not a credit score on a stack of paper. Fishing boat, pontoon, sailboat, or personal watercraft, our local Tampa team makes the financing simple with competitive fixed rates and real people who answer the phone.
Competitive Fixed Rates
Your rate is locked for the life of the loan. As a not?for?profit, our earnings come back to members, not Wall Street shareholders.
Used and Pre-Owned Boat Loans
Buying pre-owned is often the fastest way onto the water. Transport CU finances used boats and watercraft on the same application as new, whether you are buying from a dealer or a private seller.
Flexible Terms
Terms from 36 to 120 months let you size your monthly payment to your budget, so the boat you want stays the boat you can afford.
What We Finance
If it gets you out on Tampa Bay, the Gulf, or your favorite lake, chances are we can finance it:
- Fishing boats
- Pontoons
- Motorboats & cruisers
- Sailboats
- Center consoles
- Bay & flats boats
- Personal watercraft
- And more
Your Boat Loan, Made Simple
Getting financed should not slow down your launch. Here is what to expect with Transport CU.
Get Pre-Qualified
A quick conversation tells you what you can comfortably afford, so you shop with cash-buyer confidence.
Apply In Minutes
Apply online or with our team. We gather your details and walk you through every step, no jargon.
Cast Off
We set your fixed rate and term, handle the paperwork, and you head for the water. We are here long after, too.
Why Members Choose Transport CU For Their Boat
There is a reason Tampa families come back to us boat after boat.
You're An Owner, Not A Customer
As a member-owned credit union, your interests come first. No shareholders pushing extra fees or products you do not need.
Rates That Work For You
Because we are not-for-profit, our competitive fixed rates go straight back to members. Compare us to the dealer's financing before you sign.
A Local Tampa Team
Our lending team lives and works right here. No call centers, just neighbors who know these waters and know your name.
Refinance & Save
Already own a boat with a loan elsewhere? Ask us about refinancing to a Transport CU rate that may lower your payment.
Pro Tip
Plan for the full picture, not just the payment. Fuel, insurance, dockage, storage, and maintenance all add up. Get pre-qualified first and you will shop with a number that fits your real budget.
Get Pre-Qualified →Boat Loan FAQ
The questions we hear most often from boat buyers, answered straight.
Talk To A Real Local Lender
Your Transport CU Lending Team
A local team that has helped Tampa families finance everything from first cars to first boats. Call, email, or stop by for a no-pressure conversation about getting you on the water.
Call (813) 748-9270 Email Our TeamQuick Contact
- Phone: (813) 748-9270
- Member Services: 1 (800) 237-5567
- Email: memberrelations@transportfcu.com
- Address: 8916 Sabal Industrial Blvd, Tampa, FL 33619
- Hours: Mon, Tue & Thu 8AM to 5PM | Wed 10AM to 5PM | Fri 8AM to 5:30PM