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船的贷款

因为引起轰动很有趣.

马上申请 得到预先批准 再融资

或打电话 1-800-621-2105

船的贷款 感兴趣 率  4月  每月 付款 贷款期限 (个月)
新 & 使用2016 + 8.34% 8.51% $372.62 120

税率自2024年6月1日起生效, 如有更改,恕不另行通知. Each individual's 年度百分比 率 (4月) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. A $160 processing fee and a $65 Vendor Single 感兴趣 (VSI) fee apply to all booked boat loan applications. 船2016或更新- 4月计算 每月付款的例子基于 loan amount of $30,000, FICO® score of 730 or greater, and term of 120 months. 费率包括0.25% reduction for automated payments from an 元素 checking account. 附加条件可能适用. 须经信贷审批. 支付 shown do not include taxes and insurance premiums.

船的贷款

Your weekends could get a lot more fun with this loan.

关键特性

  • 利率低至8.年利率51%,120个月
  • Finance up to 90% of your boat’s value plus sales tax and licensing fees
  • Good toward all types of new and used sailboats, motorboats, and yachts
  • Flexible terms to fit your budget, up to 180 months. 呼叫 1-800-621-2105 额外收费.
  • 船舶贷款再融资也可用

几分钟内涂抹

  • Closings typically in as quick as one business day

马上申请

船舶贷款是如何运作的?

Couple hugging, watching a sunset on their sailboat.

We will loan you the money for a new or used boat, and you will pay it back with interest over a specified period of time.

提前计划是很好的 为你的船贷款获得预先批准. That way you can have a better idea of what price range you should be shopping for. Being preapproved also gives you good negotiating power with the seller.

元素 can finance up to 90% of your boat’s value, including tax and license. It’s a good idea, though, to put down at least 20% of the purchase price. Of course, the more you pay up front, the lower your monthly payment will be.

Whether you're interested in purchasing a boat or other recreational water vehicle or would like to change your lifestyle, 元素可以帮助你开始你的冒险.

开始

费用是多少??

Three generations of men fishing on a boat

There are no prepayment penalties or an annual fee associated with a 船的贷款.

元素 boat loans include a low $160 processing fee and a $65 Vendor Single 感兴趣 (VSI) insurance fee. VSI保险保护贷款人, 但不是借款人, in the event that the vehicle is damaged or destroyed.

Refinancing of an existing 元素 boat loan has an additional $200 fee.

For boats over 25 feet, there is a standard Coast Guard Recorded 抵押贷款 requirement. This includes a fee of $500 to $750 that is paid to a third party.

How do I get the funds once my loan is approved?

一个妈妈和两个女孩在一艘船上

If approved, funds will be made available to the dealer directly.

Does 元素 offer loan or asset protection coverage?

是的. 作为你财务健康的提供者, 我们想确保你有保险, 不管发生什么事. That’s why we provide loan and asset protection programs. It’s just one more way that we look out for your best interests.

保护你的购买, the following programs are available and can be wrapped into your monthly payments:

  • 保证自动保护 (GAP) is protection designed to eliminate your unpaid net loan or lease balance in the event your vehicle is stolen or damaged beyond repair. 了解更多.
  • 债的保全 protects your credit rating during uncertain and stressful times. Your loan payment will be cancelled or suspended for a period of time without penalty, 添加兴趣, or being reported as delinquent to the credit bureau when a covered event occurs. Covered events include death, disability, involuntary unemployment, family leave and hospitalization. 了解更多.

Why should I go to 元素 for my 船的贷款?

一个女人用手机付酒钱

像银行一样,只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, we return profits to members in the form of reduced fees, 更高的储蓄率和更低的贷款利率.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with 1-on-1 assistance as you navigate the changes that come with each of life's stages.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally1. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

Our technology 使s banking with 元素 easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

开始

我如何申请?

元素在线应用截图

3个简单的步骤应用

  1. 在线申请 - You can apply online in as little as 15 minutes! Submit your application online anytime or call 1-800-621-2105 开始吧. Have ready your government-issued ID (driver’s license, state ID, or passport) and 居住证明.
  2. 接我们的电话 We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions. 我们还会问你的船值多少钱, 使, 模型, 一年, 里程, and VIN if not provided on the application.
  3. 就是这样! - We'll contact you with a decision within 1 business day. 一旦你的申请被批准, we’ll contact you to sign documents and your loan will be complete!

马上申请

I have used 元素 for a mortgage, two auto loans, and now a boat loan. It's great that I have been able to count on my credit union for all of my loan needs. 他们的服务很好!

——塔米·L. | 1997年加入至今

我的船付款是多少?

船舶贷款计算器

结果

  1. 1 基于截至2022年12月31日的资产规模.
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