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Boat, trailer and motor sport loans

The beauty of the Pacific Northwest is unrivaled, and there's no better way to experience it than by going off road. Our boat, trailer and motor sport loans make it easy for you to get the power machines you love including:

  • Boats, personal watercraft and jet skis
  • UTVs, ATVs and dirt bikes
  • Snowmobiles
  • Horse, stock and utility trailers

And if you need a larger vehicle to haul your toys, we've got you covered with auto loans, too.


Featured Boat Loan Rate

Rates accurate as of January 27, 2023
APR as low as*
144 months
Payment per $1,000

Get a great deal on your boat, trailer or motor sports loan

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Purchase or refinance

Purchase through a dealer or let us help refinance your current loan, including cash-out options.

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New or used

Whether it's new or "new to you," we have the loan options you need to get you moving faster.

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Easy on the wallet

Competitive rates, generous terms and no loan setup or early pay-off fees

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Many types of vehicles

We finance boats, jet skis, snowmobiles, ATVs, stock trailers and more.

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Light on paperwork. Big on service.

Buying a boat, jet ski, stock trailer, UTV or ATV is all about envisioning the fun you have to look forward to. That’s why we process your loan with as little paperwork as possible to make it fast and easy so you can focus on making memories. 

  • Step 1: Apply. Complete a loan application online, by phone or at your favorite dealership. You can also apply for preapproval before you shop.
  • Step 2: Value. For new purchases, we use up to 100% of the dealer's MSRP for its value. For used, we’ll assess the value using the NADA (National Automobile Dealers Association).
  • Step 3: Sign and drive. After you've been approved and found the perfect toy or trailer, sign on the dotted line at the dealership and you'll be on your way.

Shop with confidence

Get preapproved for a loan before you shop for your new boat, jet ski, trailer, snowmobile or ATV. This can give you leverage when you are negotiating at the dealership. Plus, it can help you avoid snap financing decisions or feeling pressured to buy "add-ons." Getting preapproved lets you know how much you can afford and anticipate what your monthly payment will be.

You can get preapproved in advance of shopping or you can get preapproved onsite with one of our partner dealerships. Solarity works with dealerships in Washington through our Dealership Partner Program. Visit a participating dealership and ask for financing through Solarity Credit Union. With the same great rates and terms, it's easy to get financed and drive away—all in a single visit to the dealer. If you’ve been preapproved with Solarity, simply let the dealer know and you'll be good to go.

Advantages of getting preapproved

  1. Know your price range in advance to avoid overspending
  2. Understand your loan options--such as rate, term and payment--ahead of time
  3. Leverage your preapproval to negotiate as a "cash" buyer
  4. Side-step financing games, tactics and last-minute "add-ons"

Ready to finance the fun?

You have options when it comes to financing your new boat, trailer or motor sport machine. Work directly with the dealer or apply with us in advance. Either way, it's as easy as apply, sign and go!

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Applying online is simple and our experts are standing by if you have any questions.

Apply for preapproval
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Ready to talk to someone right now? We're ready to talk to you, too! Call 800.347.9222.

Make the call
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Feeling chatty? Click the blue "Chat" button in the lower right corner to get the conversation started.

Common questions about consumer loans


Solarity does not offer private party loans on vehicles, motor homes, travel trailers, campers, fifth wheels, boats and jet skis.

A personal loan is an alternative to the private party loan that you can apply for with Solarity. If you would like more information about personal loans, please contact us at 800.347.9222 option 6 or through our online chat. Apply for a personal loan here.

We do offer vehicle loans and you can learn more here.

After the final payment on a loan is paid, we release our lien. The the Washington State Department of Licensing then processes a paper title, which can take 4-6 weeks to be received.

If it is registered outside of Washington state, the title will be mailed to Solarity Credit Union, and we will mail it to the address on file. That process also has a 4-6 week timeframe.

Helpful articles and information


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What’s the difference between a credit union and a bank?

Deciding which financial institution to bank with is worth putting some thought into. Credit unions and banks are often compared because they are both potential options f...

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How to decide if a mortgage refinance is worth it

Refinancing a mortgage can have a lot of benefits, especially if you can get a lower interest rate or better terms, which refinancing often leads to.

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Is it cheaper to refinance or get a home equity line of credit?

Looking for a way to have access to additional funding? If you own your home and have built up equity, a cash-out refinance or HELOC may be the right choice.

Annual Percentage Rate (APR) accurate as of date shown and subject to change. All loans are subject to credit approval. Not all applicants will qualify for a loan or the lowest rate shown. Special terms and conditions may apply.