Home > Loan & Credit > Boat Loans - Wanigas Credit Union

Enjoy Michigan's fresh water with a boat loan from Wanigas. Whether you need financing for a new or used boat, or you want to refinance your current boat to save money, you'll get the boat financing you need at Wanigas.


Boat Loan Promotions:

90 Days No Payment*

*Not valid on refinancing of current Wanigas loans. Normal loan approval guidelines apply. Cannot be combined with any other promotional offer. Interest accrues from the date loan is funded. Offer valid through November 30, 2020.

Everyone Wins A Low Rate*

*APR= Annual Percentage Rate. Rates 2.95% APR through 9.95% APR. Not valid on refinancing of current Wanigas loans. New Money Only. Minimum loan amount $5,000. Collateral must be a 2014 or newer. 72-Month maximum term. Member must have direct deposit. Normal loan approval guidelines apply. Offer Valid through November 30, 2020.


Online Loan Application Promotion:

Receive a $25 Deposit** Today!

Apply for a Wanigas Boat loan online or through our mobile banking app, and we’ll deposit $25** into your Wanigas primary savings account, just to thank you for your application! Applying online or through mobile banking is quick, secure, and easy – and you can receive our $25 thank-you deposit**!

**Loans currently financed with Wanigas CU are not eligible for this offer. Loan application must be submitted online, approved and disbursed online to qualify. $25 deposited into share savings. Offer valid January 1, 2020 through December 31, 2020.


Stay Afloat with Competitive New and Used Boat Loan Rates

Are you ready to make some waves? Wanigas provides flexible financing to purchase or refinance new or used boats.

RVs, Boats & Cycles- 2011 Model Year Or Newer (2010 Model Year or Older Receive Personal Loan Rate)
Effective Date: Monday, October 26th, 2020
TermAPR*Payment per $1,000.
Up to 36 months as low as 3.25%* $29.20
37 months to 48 months as low as 3.45%* $22.34
49 months to 60 months as low as 3.45%* $18.18
61 months to 72 months as low as 3.45%* $15.40
73 months to 84 months as low as 3.95%* $13.65
*APR = Annual Percentage rate. Rates listed represent our best rate and are subject to credit approval. Normal loan guidelines apply.


Get Extra Protection and Peace of Mind with Loan Shield

Loan Shield* is a voluntary loan-payment protection product that is designed to help you get relief from loan payments if one of the following protected life events happens to you:

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Loan Shield could cancel or waive your loan payments up to contract maximums. Help lessen your worries, and your family's worries, about paying loans during a time your income could be reduced ot lost and paying other household bills could become challenging. Talk to us today about protecting your loan payments. Simple eligibility requirements may help ease the election process.

*Your purchase of Loan Shield is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirement, conditions and exclusions apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Loan Shield. You may cancel the protection at any time. If you cancel the protection within 30 days you will receive a full refund of any fee paid.

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Ready to Apply for a Boat Loan?

Let us help you make a splash with your boat loan. For more information call (800) 675-2285 ext. 785.

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