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Jet Ski Loans

We take the stress out of personal watercraft loans so you can have more fun on the water.

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Skipping over waves, skimming through a wake, going airborne for a few weightless seconds and then sending up a silver spray with the next sharp turn. It's a pulse-pounding thrill that's hard to describe – but easy to obtain through our jet ski financing.

At Power Financial Credit Union, we offer hassle-free personal watercraft loans that can provide your family with years of fun. We only wish we were out there with you!

Features and Benefits of Our Jet Ski Loans

Jet Ski Financing Expertise

Our extensive experience means we can offer you a jet ski loan with no hassle or stress.

Customized Solutions

We'll help you find the perfect loan to fit your budget and meet your specific needs.

Range of Repayment Terms

Choose from flexible terms of 36 to 96 months so you get an affordable payment.

Easy Pre-Approval

Save time and money when you hit the dealership with financing ready.

Jet Ski Financing Rates

Power Financial Credit Union offers competitive rates on new personal watercraft including jet skis and Wave Runners. Get a jet ski loan today and start doing tricks tomorrow.

Term APR
up to 36 months 2.49%-6.24%2
37-60 months 2.74%-6.49%
61-72 months 2.99%-6.74%
73-84 months 4.49%-8.24%
85-96 months 5.49%-9.24%
 
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Calculate Your Personal Watercraft Loan Payment

You can use our Auto Loan Calculatorto find out your monthly jet ski payment.
 
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"Great customer service... They are always willing to help me in times of need. They offer a large number of loan options, their mobile app is awesome and allows me to login with my fingerprint, and they have three new branch locations for easy access."

– Emily V., Pembroke Pines



Power Financial Credit Union Offers a Simple Application Process for Jet Ski Financing

Step 1

Apply

You can apply online, in-branch or by speaking with one of our trusted advisors.
Step 2

Get Pre-Approved

We'll review your personal watercraft loan application and, if approved, offer you a loan amount and rate for your preferred term.
Step 3

Go Shopping!

With your financing ready to go, it's time to buy your personal watercraft – we'll transfer the funds once you find a great deal.
Get Started

FAQs About Personal Watercraft Loans

Accordion Section

Our personal watercraft loans are available for the purchase of new watercraft only, including:
  • Jet Skis
  • Sea-Doos
  • WaveRunners
We will offer you a competitive rate based on your credit history and overall financial situation, including your debt-to-income (DTI) ratio. The good news is, you'll get a fixed annual percentage rate (APR) so budgeting for your monthly payments is easy!
  • Applicants with excellent credit scores get the lowest rates.
  • Rates also vary based on the loan term you choose – shorter terms get lower rates.
Note that people with bad credit may not qualify for a low-rate loan. We can help you through the path to improving your credit score so you can qualify in the future. One thing you can do to rebuild your credit is to get a secured personal loan and make on-time regular payments.
Getting your jet ski financing pre-approved puts you in a great position to negotiate a good deal and here's why:
  • The seller will take you seriously as a buyer.
  • You won't have to watch out for hidden fees that sometimes get rolled into the sticker price when you get a loan from the dealership.
  • You can find out exactly what loan payment you can afford so you buy a watercraft within your budget and can comfortably enjoy your water activities without worrying about making your payments.
  • You'll have time to check all the rates and terms details without feeling pressure to make a decision on the spot.
Any of our existing credit union members are welcome to apply for a loan, or it takes just a few minutes to apply. Our membership consists of those who: live, work or go to school in Broward, Charlotte, Collier, Lee, Martin, Miami-Dade, Monroe, Palm Beach County, Hillsborough, Manatee, Pinellas, Sarasota or St. Lucie counties

We're also proud to offer membership to our Select Employee Groups. Employees of Ryder System, Inc. FPL/NextEra Energy, and members and employees of Bonefish & Tarpon Trust, no matter where they're located, are always welcome to join.

Resources to Make Buying a Jet Ski a Breeze

Recreational Loan Types and Their Benefits

Read this quick guide to recreational financing and find out how a loan lets you purchase a jet ski or waverunner then pay for them gradually so these "toys" are more affordable.
Learn more

5 Ways to Improve Your Credit Score for Loan or Preapproval

Before you apply for your personal watercraft loan, find out your credit score and take steps to improve it so you get approved with a great rate. Read our guide for full details!
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What Are the Risks of Financing at the Dealership?

Read a cautionary tale about one buyer's experience of dealership financing and learn about other common pitfalls, including selective loan preference, and unnecessary time pressure.
Learn More

Resources

Page Disclaimers

*Eligibility for the lowest rate which is stated above is based on credit worthiness, ability to repay, credit score, down payment, term of loan, loan to value (LTV) and year of vehicle. Rates are subject to change at any time. Interest rates include a .25% discount for automatic payment from your Power Financial Credit Union account and a .25% discount for previous Power Financial Credit Union borrowers. Other conditions may apply.