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Hit the open water — or a quiet lake

Boat Loans

Boat financing

Apply Now for a boat loan View Rates

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

  • 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 boat loan financing plan that works for your unique needs.

Boat icon

 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

#3 icon

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 877-373-3733

Boat loan FAQs

Yes. Commerce Bank offers loans for new and used boats.
Use our How much boat can I afford? calculator to find out how much money you can borrow while still meeting your budgeting goals.
Boat loan terms can vary depending on what you need — long, short, or in between — speak to a banker today to find a financing plan that works for you.


  • 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. Loans are subject to credit approval.
  1. Rate discounts cannot be combined with any other offer. Mortgages, dealer loans and refinances of Commerce Bank 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.