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Things To Know Before Buying Or Financing A Boat or Personal Watercraft
Boats and personal watercraft (PWCs) offer endless opportunities for fun, relaxation, and adventure — but before you buy or finance one, it's important to understand the different types available and what fits your needs best.
The term “boat” covers a wide range of watercraft, including fishing boats, pontoons, wake boats, jet boats, bowriders, center consoles, cabin cruisers, and sailboats. Each has its own purpose — from leisurely lake days with the family to serious angling or adrenaline-pumping water sports.
Similarly, personal watercraft, like jet skis, Sea-Doos, and WaveRunners, are built for speed, maneuverability, and solo or two-person riding. They're a great choice for thrill-seekers and weekend riders alike.
Before financing, consider key factors like where you’ll use the watercraft (lake, river, ocean), how many passengers you plan to have, whether you’re towing or storing it, and how much maintenance you're prepared for. Also, some watercraft may require boating licenses or insurance, depending on your location.
Our boat and PWC financing options are designed to be fast, flexible, and credit-friendly — so whether you're buying new or used, from a dealership or private seller, we’ll help you find the right loan for the watercraft that fits your lifestyle.
Choosing the Right Type of Boat or Personal Watercraft to Finance
From lake cruising to wake surfing to high-speed jet skiing, the world of boats and personal watercraft (PWCs) has something for every type of water enthusiast — and just like the ATV world, there’s a full culture built around it. But with so many makes, models, and purposes, how do you know which one to finance?
Built for Purpose — What’s Your Adventure?
If you're looking for something versatile and family-friendly, pontoon boats are a popular choice. They’re spacious, stable, and great for cruising, fishing, or entertaining. Prefer something built for sport? Wake boats and ski boats like those from MasterCraft or Malibu are perfect for water sports enthusiasts who want performance and style.
Planning to fish? Bass boats, center consoles, and aluminum fishing boats from brands like Tracker, Lund, and Alumacraft are designed for serious anglers who want speed, maneuverability, and storage for all their gear.
The Thrill of Personal Watercraft
Looking for speed, agility, and solo or duo rides? PWCs like Sea-Doo, Yamaha WaveRunner, and Kawasaki Jet Ski deliver excitement in compact form. Whether you're racing across open water or carving through tight turns, these machines are built for thrill seekers — but they also offer models perfect for families, towing tubes, or casual weekend fun.
Consider Your Budget & Features
Just like with land vehicles, your budget plays a major role in determining what you can finance — and what features come with it. Larger boats with high-end motors, touchscreen displays, Bluetooth audio systems, and luxury seating can carry a premium. Personal watercraft with higher horsepower, boarding ladders, or more storage will also come at a higher cost.
But no matter your price point, we offer flexible financing options for new or used boats and PWCs, from dealers or private sellers — so you can focus on choosing the watercraft that fits your lifestyle.
Safety & Legal Requirements
Before buying, make sure you understand any licensing, insurance, or registration requirements in your area. You should also always wear proper safety gear and follow all boating laws — whether you're on a quiet lake or open waters.
