Chat With Us

spokane boat loans

Your dream boat is calling... And we'll help you finance it!

Apply for a boat loan

Boat loan rates as low as 3.49% APR*, fixed 

apply for a boat loan 

We have some of the lowest boat loan rates in Spokane! Check with us first to finance or refinance your new or used boat so you can get to enjoying the fun things like fishing, cruising around and playing water sports with your sweet new boat.

Benefits of boat loan financing/refinancing at Canopy:

  • We offer up to 100% boat loan financing 
  • We offer longer-term options 
  • The process is quick & easy

Get pre-approved for your boat loan

Get pre-approved for your boat loan before you go shopping! That way you'll know exactly what you can afford and this can give you better negotiating power with dealerships. 

Get pre-approved today!

Canopy CU members next to their newly financed boat. Captioned "Chris & Ginger, members since 2008"

“Canopy made the entire process extremely easy for us and completed everything online through email so we didn’t even have to leave work. They communicated with us every step of the way so we knew what stage of the process we were at. Our Member Advocate, Jessica, was friendly, positive and extremely helpful!” 

Boat loan calculator

Find out what your monthly payment will look like with our easy-to-use boat loan calculator!


Boat loan FAQs

We work hard to make sure we get back to you as soon as possible. We will follow-up with you within 1-2 business days.
Your interest rate will depend on your credit score and the loan to value of the boat you choose to purchase. You can find a rough estimate of your credit score by downloading apps like Credit Karma and/or Credit Sesame but your true credit score will most likely be different when we pull it for your application. You can get one free credit pull per year (without having to apply for a loan) at Learn more about what makes up a credit score and how you can improve it in our blog What Makes up a Credit Score?
Yes, whenever you apply for a loan it is considered a hard pull/inquiry and will have a small effect on your credit score. Find out more about hard pulls and inquiries.
We’ll need your most recent paystub, current boat insurance information, and if you’ve already chosen the boat at a dealership you’ll need a purchase order for it.
We offer loan terms anywhere from 1-15 years depending on the value of the boat. To find out more information, give us a call at 509.328.2900 or send us a webchat!


Ready to get your new boat?

Apply for a boat loan now

*Annual Percentage Rate, may vary based on approved credit. Lowest rate includes 1/4% off for automatic payment, 1/4% off for additional services.  Fixed rates range from 3.49% APR to 18% APR. Other rates and terms are available. 

stay connected

More than just your credit union, we're part of your community.
Let us help connect you with your community.