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*get pre-approved & apply online today! View Rates Become a Member Contact Us
*APR = Annual Percentage Rate. Rates and payment options based on creditworthiness, term, and other factors. Existing Credit Union loans do not apply. No other offer may be applied. Application must be received between July 6 – July 18, 2026, in order to qualify for this special. Pre-approvals will be accepted prior to the beginning of the rebate period. Applications submitted up to July 18, 2026 will have until August 15, 2026 to close on the loan to retain the promotional rate. The $250 cash rebate credited after the loan origination. Cash rebate is conditional. If the loan is closed early or does not remain in good standing for the initial six months, the $250 cash rebate will be added back to the loan balance and may increase the amount owed. Cash rebate applies to vehicle loans (cars, trucks, SUVs) only. Current credit union loans are not eligible for cash rebate. Cash rebate will be posted to the member's Share Savings account within 4 days of funding the loan. Loan funding amount must be $15,000 or greater to qualify for the cash rebate. Additional eligibility and loan terms apply. Contact the Credit Union for full details.
My Pensacola CU wants to help you achieve the best (and lowest) monthly payment on your Boat Loan. We offer some of, if not the most competitive rates and term options around so when you refinance an existing loan from another lender, or look to purchase a new or used boat — My Pensacola CU makes the process easy by saving you time and money.
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Our competitive rates make for low monthly payments.
Additional rates & terms up to 120 months.
Up to 90 days until your first payment**. Up to two (2) Skip-A-Pays per year.**
Easy online application process; local decisioning.
Get pre-approved up to 30 days before loan closing.
Rates and terms same for new and used (up to 10 years old)*.
Simply click here to get started or apply via Online or Mobile Banking.
No worries - becoming a member is easy! Simply click here.
If you have any questions or problems with applying, please contact us.
Stop by an office or receive an email — we'll do the final closing in-person or electronically.
Pick your level of protections from GAP, MRC, Credit Life, and/or Credit Disability.
Your designated Personal Loan Officer will contact you directly to help complete your loan your way.
As a benefit to My Pensacola CU membership, if you are not sure about the mode of transportation you want and don’t have the time to go from dealer to dealer, you can shop, research, find the value of your current car or toy or the one you're interested in, even get protection options!
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DISCLAIMERS
*Rates and loan terms subject to credit approval. Other conditions may apply. Membership eligibility required. Rates are subject to change without notice. Contact the credit union for full details.
Payment Example: A $25,000 boat financed at 5.79% Annual Percentage Rate (APR) for a 66-month term – estimated monthly payments of $444 or $18.00 per $1,000 borrowed.
Requirements: Loan will be approved through normal underwriting guidelines.
Eligible Loan Types: New and Used Boats.
Loan Amount: Loan amounts will vary based on credit, income, employment, etc. My Pensacola CU will work to help find an amount with a payment you are comfortable with.
**Repayment Terms: Terms will vary by loan type, loan amount, credit score, collateral value, age and mileage up to maximum terms of 86 months with up to 90 days before your first payment. Members are allowed the option to skip up to two (2) qualifying loan payments within every 12-month period for a $30 Online or Mobile Banking Skip-A-Payment fee, or a $40 in-person or via phone Skip-A-Payment fee. Interest still accrues on any skipped loan payments. Contact the credit union for full details.
Interest Rates: Rates are determined by the member’s credit score, the loan term, age of boat, mileage and Loan-to-Value (LTV) of the vehicle.
Fees: There are no processing fees.
Early Payoff Penalty: None.