船的贷款

We will loan you the money for a new or used boat, and you will pay it back with interest over a specified period of time.

提前计划是很好的 为你的船贷款获得预先批准. That way you can have a better idea of what price range you should be shopping for. Being preapproved also gives you good negotiating power with the seller.

元素 can finance up to 90% of your boat’s value, including tax and license. It’s a good idea, though, to put down at least 20% of the purchase price. Of course, the more you pay up front, the lower your monthly payment will be.

Whether you're interested in purchasing a boat or other recreational water vehicle or would like to change your lifestyle, 元素 can help you start your adventure.

开始

There are no prepayment penalties or an annual fee associated with a 船的贷款.

元素 boat loans include a low $160 processing fee and a $65 Vendor Single 感兴趣 (VSI) insurance fee. VSI保险保护贷款人, 但不是借款人, in the event that the vehicle is damaged or destroyed.

Refinancing of an existing 元素 boat loan has an additional $200 fee.

For boats over 25 feet, there is a standard Coast Guard Recorded 抵押贷款 requirement. This includes a fee of $500 to $750 that is paid to a third party.

If approved, funds will be made available to the dealer directly.

是的. 作为你财务健康的提供者, 我们想确保你有保险, 不管发生什么事. That’s why we provide loan and asset protection programs. It’s just one more way that we look out for your best interests.

保护你的购买, the following programs are available and can be wrapped into your monthly payments:

• 保证自动保护 (GAP) is protection designed to eliminate your unpaid net loan or lease balance in the event your vehicle is stolen or damaged beyond repair. 了解更多.
• 债的保全 protects your credit rating during uncertain and stressful times. Your loan payment will be cancelled or suspended for a period of time without penalty, 添加兴趣, or being reported as delinquent to the credit bureau when a covered event occurs. Covered events include death, disability, involuntary unemployment, family leave and hospitalization. 了解更多.

像银行一样，只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with 1-on-1 assistance as you navigate the changes that come with each of life's stages.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally¹. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

Our technology 使s banking with 元素 easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

开始

3个简单的步骤应用

1. 在线申请 - You can apply online in as little as 15 minutes! Submit your application online anytime or call 1-800-621-2105 开始吧. Have ready your government-issued ID (driver’s license, state ID, or passport) and 居住证明.
2. 接我们的电话 We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions. 我们还会问你的船值多少钱, 使, 模型, 一年, 里程, and VIN if not provided on the application.
3. 就是这样! - We'll contact you with a decision within 1 business day. 一旦你的申请被批准, we’ll contact you to sign documents and your loan will be complete!

马上申请