Boat Loans from Transport CU

Less Paperwork. More Water.

New or pre‑owned, your first boat or your forever boat, Transport CU finances it with competitive fixed rates and a local team that knows you by name.

Apply Now → Talk To A Loan Specialist

Financing That Gets You On The Water Faster

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.

New & Pre‑Owned

Off the lot or from a private seller, brand new or gently used, we finance the boat that fits your life and your budget.

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.

Boats on the calm blue water of Tampa Bay on a sunny day

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

Not Sure? Ask Us →

Your Boat Loan, Made Simple

Getting financed should not slow down your launch. Here is what to expect with Transport CU.

STEP 1

Get Pre‑Qualified

A quick conversation tells you what you can comfortably afford, so you shop with cash‑buyer confidence.

STEP 2

Apply In Minutes

Apply online or with our team. We gather your details and walk you through every step, no jargon.

STEP 3

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.

We finance a wide range of new and pre‑owned boats and watercraft, including fishing boats, pontoons, motorboats and cruisers, sailboats, bay and flats boats, center consoles, and personal watercraft. Not sure your boat qualifies? Just call and ask.

Transport CU offers boat loan terms from 36 to 120 months. A longer term lowers your monthly payment, while a shorter term saves you on total interest. Our team helps you choose the right fit.

Yes. Our boat loans come with competitive fixed rates, so your rate and payment stay the same for the life of the loan. For current rates, visit our Loan Rates page or speak with a lending specialist.

Yes to both. We finance quality pre‑owned boats from dealers or private sellers, and in many cases we can refinance a boat loan you have with another lender to a Transport CU rate and term.

Yes, and joining is easy. Membership opens up our boat loans along with every other benefit Transport CU offers. We can walk you through eligibility in just a few minutes.

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 Team

Quick 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 & Fri 8AM to 5PM | Wed 10AM to 5PM