Boat Loans near Syracuse, NY

family on a boat in a lake boat loans near syracuse, ny from secny fcu

If you're dreaming of cruising the beautiful waters around Syracuse, NY from the Finger Lakes to Lake Ontario, SECNY FCU offers the boat financing options you need to make that dream a reality. As your trusted local lender, we offer personalized service, competitive boat loan rates, and the peace of mind that comes with working with a credit union that’s rooted in the Central New York community.

To discuss your options for boat loans...

The Local Choice for Boat Loans

Local Loan Expertise That Makes a Difference. SECNY FCU loan officers make local loan decisions for boat loans near Syracuse, NY. We also offer local support. When you have questions or concerns, your friendly, knowledgeable neighbors at SECNY FCU are just a phone call or short drive away.

As a local lender for boat loans, SECNY FCU offers:

Competitive Interest Rates
Flexible Terms
Financing for New and Used Boats
No Hidden Fees
Friendly, Local Service

SECNY FCU's local service translates into more favorable loan terms for you, and helpful guidance beyond just the numbers.

Apply Online for a Boat Loan

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Boat Financing That's Built for Central New York

boat loans near syracuse ny boat on water at sunset

Living in Syracuse, Onondaga County, Cayuga County, Oswego County, or Madison County? You’re eligible to apply—even if you're not yet a member.

SECNY is here to help you enjoy the water, your way. Our boat loans make it affordable.

Member-First Philosophy
As a not-for-profit credit union, SECNY FCU returns profits to members through lower loan rates. We also offer reduced fees compared to traditional banks.

Experience the difference.

Simplified Boat Loan Application Process
Getting your boat loan with SECNY FCU is straightforward and convenient:

Online Boat Loan applications available 24/7
Mobile-friendly process from application to closing
In-person assistance at our Syracuse, NY area branches
Quick decisions often within one business day
Electronic closing options for many loan situations

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Relationship Banking Benefits
Beyond boat loans, SECNY FCU provides everything you need for your finances.

Sign up today for a free checking or savings account
Boat insurance through trusted partners at preferred rates
Automatic loan payment options
Mobile banking tools to manage your loan from the comfort of home or anywhere you're connected
Financial planning services to balance boat ownership with other goals
Additional options for recreational vehicle loans and financing needs

Options for Boat Loans near Syracuse, NY

When you're looking to finance that brand-new vessel with all the latest features and technology, SECNY FCU offers competitive packages for boat loans.

Loan amounts: up to 100% Book Value, Financing Maximum $100,000
APR: Starting as low as 7.00% APR* for qualified members (as of April 2025)

Used Boat Loans:
SECNY FCU understands that a pre-owned boat can be an excellent value, and we offer specialized financing for used vessels:

Model Year: between 2023 - 2019 Financing up to 100% Book Value, Financing Maximum $100,000

Model Year: between 2018 - 2016 Financing up to 80% Book Value

APR: Starting as low as 7.50% APR* for qualified members (as of April 2025)

View our Boat Loan Rates here.

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What Types of Boats Can Be Financed?

boat loans near syracuse ny boat on water at sunset

SECNY boat loans are designed for a variety of watercrafts, including:

Fishing boats
Pontoon boats
Sailboats
Jet skis (personal watercraft)
Speed Boats
Cabin cruisers

Looking for RV loans or motorcycle loans too? We’ve got you covered — just ask about our recreational vehicle financing options.

Let's Talk

Already a Member? Apply Now and Set Sail!

If you’re already a SECNY FCU member, applying is fast and simple.

Not a member yet? Don’t worry — membership is open to everyone in Central New York.

Finance the Life You Want to Live — With a Trusted Local Partner

Boating isn't merely a recreational activity; it’s a lifestyle — one that brings families together, offers serenity in nature, and creates space for cherished memories. At SECNY, our mission is to make that lifestyle accessible, affordable, and stress-free.

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Popular Boating Destinations for SECNY FCU Members

When you finance your boat through SECNY FCU, you'll be ready to enjoy all the incredible boating opportunities in the Syracuse region.

Finger Lakes

The spectacular Finger Lakes provides endless opportunities for SECNY FCU boat loan customers: