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Hit the open water — or a quiet lake

Sail to your next adventure

Boat Loans

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 800-449-9829

Boat Loan Rates

Save 0.25% off your interest rate

  • For having your payment automatically deducted from your Commerce checking or savings account.1

  • An additional 0.25% is available when $7,000 or more of the loan is refinanced from another lender.1

Apply for a boat loan

Boat Loan terms

Take advantage of flexible terms – long, short or somewhere in the middle. Let’s find a financing plan that works for your unique needs.

Get an auto loan in 3 easy steps

 Get a boat loan in 3 easy steps

#1 icon

Apply online, over the
phone or at a branch

#2 icon

Finalize your financing
as early as same-day

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Receive loan funds
deposited into your account


Need to refinance your vehicle? 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 pre-approved.

Ask your banker how applying for pre-approval on an auto 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 800-449-9829

Questions? We're up for the challenge.

Challenge Accepted

Contact us


  1. Rates are subject to change. Rate discounts cannot be combined with any other offer. Mortgages and dealer loans are not eligible to receive these rate discounts. Refinancing discount is limited to one discount per new installment loan and does not apply to Commerce credit card or loan account payoffs. In order to qualify for refinancing discount, must refinance $7,000 or more of debt from another lender.
  2. Extending your loan term will increase the amount of your total finance charges.
* 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 and length and amount of loan. Loans are subject to credit approval. Must be 18 years or older to apply.