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    • Arrows

      Flexible terms available4

    • Stack of Money

      Borrow from $2,500 - $125,000

    • Lock

      Attractive fixed interest rate

  • The Perfect Borrowing Vehicle:

    It's simple and easy to put yourself behind the wheel with a watercraft loan from FNB1. With a simple application, fast processing, and competitive rates, our watercraft loans are some of the best on the water.

    Key Features:

    • Loans available for new or used watercraft2,3
    • Flexible repayment terms available4
    • Finance up to 75% of the value of the watercraft
    • Attractive interest rates5
    • Interest rate discount available when you set up automatic monthly payments6
    • Borrow from $2,500 - $125,000

    Important Considerations:

    Convenient Online Access:

    • Fast and free7 Online Banking, Mobile Banking, and Telephone Banking
  • Qualifying for an Boat/Yacht Loan:

    FNB uses credit score, employment history, monthly debt payments and income, the amount and type of collateral among other factors when considering whether or not to approve your application.

    The Borrowing Process:

    Our objective is to make the borrowing process simple and straightforward. To apply for a Boat/Yacht Loan, you will want to have the following information available for your branch visit:

    Required Identification:

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

    Getting Prepared:

    While you won't need this for your initial visit to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked:

    • To verify your income
    • To provide bank statements
    • To provide tax documents

With any account, you also get the latest in digital technology:

Compare all of our accounts. This comparison chart makes it easy to compare all of our borrowing options.

Browse all

Compare all of our accounts. This comparison chart makes it easy to compare all of our borrowing options.

Compare all

Still not sure? Answer a few quick questions to help you find the right borrowing options.

Help me decide

Still not sure? Answer a few quick questions to help you find the right borrowing options.

Help me decide

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

  1. Article

    Refinance a Boat

    If you’ve discovered the original loan terms on your boat loan are less ideal than you’d hoped, you may want to consider refinanci...

  2. Article

    Buying a Boat

    Maybe you’ve decided to sail the high seas — or just fish on a local lake. Either way, there is a boat purchase in your future. Be...

Notices & Disclosures
1 - All loan products are subject to credit approval. 
2 - New watercraft are considered to be the current and one prior model year; eligible used watercraft cover the prior 7 model years.
3 - Subject to limitations; wooden hulled vessels are not acceptable collateral.
4 - Available terms vary based upon loan amount, collateral type, condition, and age of craft.
5 - Interest rate is dependent on loan term and model year of watercraft.
6 - Interest rate discount is available when you set up automatic monthly payments from an FNB account.
7 - Online Banking, Bill Pay, Mobile Banking and Telephone Banking are free to customers with an eligible account; however, there may be a fee for certain optional services. Mobile data and carrier fees may apply.

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