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.
Over the past 14 years, we’ve given our members more than $77 million in interest refunds and bonus dividends. Learn More
No Penalty for Early Repayment
We offer terms up to 84 months so you can find a loan that fits you and your budget.
No Application Fee
Fast Application and Closing Process
New Vehicle
| TERM | MINIMUM LOAN VALUE | APR |
|---|---|---|
| UP TO 36 MONTHS | NO MINIMUM | 5.49% - 14.89% |
| 37 - 60 MONTHS | NO MINIMUM | 6.25% - 15.65% |
| 61 - 72 Months | $15,000 | 6.50% - 15.90% |
| 73 - 84 Months | $20,000 | 6.50% - 15.90% |
USED VEHICLE
| TERM | MINIMUM LOAN VALUE | APR |
|---|---|---|
| UP TO 36 MONTHS | NO MINIMUM | 5.99% - 15.39% |
| 37 - 60 MONTHS | NO MINIMUM | 6.75% - 16.15% |
| 61 - 72 Months | $15,000 | 7.00% - 16.40% |
| 73 - 84 Months | $20,000 | 7.00% - 16.40% |
Save money on personal watercraft insurance.
Through our partnership with TruStage™ Auto and Home Insurance, we offer personal watercraft insurance with competitive rates and a member discount. Visit TruStage's site for a free quote.
- 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. 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: