The great outdoors is calling
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
New and used boats, 2017 or newer
Get a great deal on your boat, trailer or motor sports loan
Purchase or refinance
Purchase through a dealer or let us help refinance your current loan, including cash-out options.
New or used
Whether it's new or "new to you," we have the loan options you need to get you moving faster.
Easy on the wallet
Competitive rates, generous terms and no loan setup or early pay-off fees
Many types of vehicles
We finance boats, jet skis, snowmobiles, ATVs, stock trailers and more.
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 pre-approval before you shop.
- Step 2: Value. For new boat purchases, we use up to 85% of the dealer's MSRP for its value; for new jet skis, trailers, UTVs and ATVs, we use up to 100% of dealer MSRP. 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
Apply for pre-approval 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 pre-approved lets you know how much you can afford and anticipate what your monthly payment will be.
You can get pre-approved in advance of shopping or you can get pre-approved 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 pre-approved with Solarity, simply let the dealer know and you'll be good to go.
Advantages of getting pre-approved
- Know your price range in advance to avoid overspending
- Understand your loan options--such as rate, term and payment--ahead of time
- Leverage your pre-approval to negotiate as a "cash" buyer
- Side-step financing games, tactics and last-minute "add-on"
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!
Online
Applying online is simple and our experts are standing by if you have any questions.
Apply now
Call
Ready to talk to someone right now? We're ready to talk to you, too! Call 800.347.9222.
Make the call
Come say hi
Stop by a branch to say hello and get to know your local financial experts.
Find a branchCommon questions about consumer loans
Yes! Solarity offers Skip-a-Pay for various types of loans, including cars, trucks, boats and more. Skip-a-Pay allows members to defer making their loan payments for a specific period, providing them with some financial flexibility when needed. Click here to learn more about how this service works, or give us a call at 800.347.9222 to get started!
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. 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.
Loans to help you live life to the fullest
Auto Loans
From cars and trucks to SUVs and classic cars, we have loans for whatever drives you.
Explore auto loans
RV Loans
Upgrade your next camping adventure! Financing for motor homes, travel trailers, fifth wheels and campers.
Let's go
Vehicle Refinancing
Refinance your existing loan from another lender with Solarity and see how much you can save!
Shift into savingsHelpful articles and information
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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.