Boat Loans
Boat financing
Hit the open water — or a quiet lake.
Whether you’re going full throttle on a jet ski or catching fish at the crack of dawn, our boat loans can help you finance your aquatic adventure.
You’ll get flexible terms, competitive rates and a quick approval process with funds usually available within a day.
Apply now Call 877-373-3733
Boat Loan Rates*
Save 0.25% off your interest rate
Receive a rate discount for having your payment automatically deducted from your Commerce checking or savings account.1
Apply for a Boat LoanBoat loan terms
Take advantage of flexible terms — long, short or somewhere in the middle. Let’s find a boat loan financing plan that works for your unique needs.
Get a boat loan in 3 easy steps
Apply online, over the
phone or at a branch
Finalize your financing
as early as same-day
Receive loan funds
deposited into your account
Need to refinance your boat? We can help.
If you want to lower your monthly payment — either with a lower interest rate or extended term2 — we offer flexible terms at competitive rates.
Shop with confidence after you get preapproved.
Ask your banker how applying for preapproval on a boat loan can simplify your search before you visit the dealership. We’ll give you a clear picture of what you can afford with your requested loan term and amount.
Call 877-373-3733Boat loan FAQs
Can I get a loan for a used boat?
How expensive a boat can I afford?
What are typical boat loan terms?
*Rates are subject to change. These rates are available only for Boat loans, including various types of watercraft and associated motors, trailers, etc. Your APR will be determined based on creditworthiness, age of collateral, and length and amount of loan. Must be 18 years or older to apply. Subject to credit approval.
- Rate discount of 0.25% for automatic payment from a Commerce checking or saving account. Rate discount cannot be combined with any other offer and is not available on dealer loans, mortgages or refinances of Commerce Bank loans. Subject to credit approval.
- Extending your loan term will increase the amount of your total finance charges.
