Ride the wave with a personal watercraft loan.
Our personal watercraft loans have competitive rates and flexible terms so you can get busy soaking up some fun in the sun.
As a not-for-profit credit union, we offer competitive interest rates on loans.
No Application Fee
Fast Application and Closing Process
Life can take unexpected turns. Debt protection could help pay your loan in case of the unexpected.
We offer terms up to 84 months so you can find a loan that fits you and your budget.
No Penalty for Early Repayment
Skip up to two monthly payments per year on qualified loans at any time that’s right for you.21
NEW
| TERM | MINIMUM LOAN VALUE | APR |
|---|---|---|
| UP TO 60 MONTHS | NO MINIMUM | 6.99% - 18.00% |
| 61 - 84 MONTHS | $20,000 | 7.24% - 18.00% |
| 85 - 120 MONTHS | $60,000 | 7.49% - 13.55% |
| 121 - 144 MONTHS | $75,000 | 7.99% - 13.65% |
USED
| TERM | MINIMUM LOAN VALUE | APR |
|---|---|---|
| UP TO 60 MONTHS | NO MINIMUM | 7.49% - 18.00% |
| 61 - 84 MONTHS | $20,000 | 7.74% - 18.00% |
| 85 - 120 MONTHS | $60,000 | 7.99% - 14.05% |
| 121 - 144 Months | $75,000 | 8.49% - 14.15% |
Rates effective April 1, 2026.
Legal Disclosures and Additional Information
Your APR will be based on your credit score and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account.
Based on an APR of 6.99%, your monthly payment on a $10,000 loan amount and a 60-month term would be $198.55. Based on an APR of 7.24%, your monthly payment on a $20,000 loan amount and a 61-month term would be $394.07. Based on an APR of 7.49%, your monthly payment on a $60,000 loan amount and an 85-month term would be $914.64. Based on an APR of 7.99%, your monthly payment on a $75,000 loan amount and a 121-month term would be $907.69.
Based on an APR of 7.49%, your monthly payment on a $10,000 loan amount and a 60-month term would be $200.97. Based on an APR of 7.74%, your monthly payment on a $20,000 loan amount and a 61-month term would be $398.93. Based on an APR of 7.99%, your monthly payment on a $60,000 loan amount and an 85-month term would be $929.78. Based on an APR of 8.49%, your monthly payment on a $75,000 loan amount and a 121-month term would be $927.91.
For New Vehicles
Policies subject to change upon regulation change or Board of Directors’ approval.
100% of the MSRP or 110% of the invoice price if MSRP is not available. Percentage is determined by credit worthiness.For Used Vehicles
100% of NADA retail value. Percentage is determined by credit worthiness.
Save on personal watercraft insurance.
Ready to save? Through our partnership with TruStage™️, we offer personal watercraft insurance with competitive rates and a member discount.
- Can I pay off my loan quicker than the payment schedule?
Yes. Ascend does not have an early repayment penalty for any loan we offer.
- Can being pre-approved help me when I’m vehicle shopping?
It is beneficial to get pre-approved before you go shopping. If an application requires certain stipulations such as a limited loan-to-value or a maximum loan amount, it is better to know that information prior to shopping.
- How fast can I be approved for a recreational loan? Will funds be available same day?
If you meet our credit criteria, you could be approved instantly for a recreational loan. If your application must be reviewed by an underwriter, you should receive a decision within the same day. If you have applied online and you do not meet our criteria, you will be notified of a decision on your application within two business days. As long as all stipulations to obtain the loan are satisfied, funds are available the same day.
Don't see the question you're looking for?
There are three different ways to apply for an Ascend personal watercraft loan: