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Boat Loans

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Boat Loan Rates    

as low as 

3.99% APR*     


Apply Now

Why Choose People’s Trust in Houston?

With great interest rates, flexible loan terms to meet your needs, and up to 100% financing, People’s Trust will save you money and get you out on the water in style. Apply today and be cruising the Gulf or many area lakes tomorrow. It’s that easy to get into your dream boat when you’re doing it the Un-Banking way. .

 

Competitive
Interest Rates

 

100% Financing
Available

 

Terms Up to
120-Months

Express Check-
Works Like Cash

 ✔

Exceptional
Local Service


Same Low Rate for
New or Used Boats



People’s Trust Boat Loan Features

  • 100% financing available so you can get out on the water today.
  • Save money with the same great rate for new and used boats.
  • Enjoy flexible terms up to 120-months. Shop with an Express Check – get pre-approved and shop like a cash buyer.
  • Protect your assets with GAP and Debt Protection.
*Boat financing is only available when purchased through a dealership.

Estimate Your Monthly Boat Payment

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.
Car payment is $441.57 per month.
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Principal Balances for $18,440 in financing Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.
How does the term affect my payment? Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.
How does the down payment affect my payment? Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.

Definitions

Calculate for

Choose what you would like to calculate. You can choose to calculate the payment or the purchase price.

Monthly payment

The amount you pay each month for your auto financing.

Total purchase price (before tax)

This is the total cost of your auto purchase. Include the cost of the vehicle, additional options and destination charges. This amount does not include sales tax. Sales tax will be calculated for you and included in your total after-tax price.

Term in months

Number of months the loan will be in effect.

Interest rate

Annual interest rate for this loan.

Rebates and cash down

Total amount of cash and/or factory rebates applied to the purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.

Trade allowance

The total amount that you are given for any automobile that you trade-in as part of the purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for "No sales tax deduction for trade-in" for more information on trade-in vehicles and sales tax.

Amount owed on trade

Total loan balance still outstanding on the trade-in.

Non-taxable fees (optional)

Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.

Taxable fees (optional)

Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.

Sales tax rate

Sales tax percentage rate charged on this purchase.

No sales tax deduction for trade-in

If you live in a state where your sales tax is calculated on your full purchase price, check this box in the calculator. If this box is unchecked, sales tax is calculated on the purchase price, less trade-in. Currently the District of Columbia, California, Hawaii, Maryland, Kentucky, Michigan and Virginia allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana and New Hampshire have no sales tax on auto purchases. Oregon currently only collects tax on new vehicles.

★★★★★ 

“A great atmosphere. Great customer service. Very professional and respectful people make you feel welcomed.”

- David R.

Applying for Your Boat is as Easy as 1-2-3

Step 

1

Apply Online

Quick and easy online application.

Step 

2

Sign Your Loan

Agree to the loan amount, rates, and terms.

Step 

3

Get a Check

Use your check to buy your new boat.

Get Started

Boat Loan & Personal Finance Resources

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Boat Loan Rates

See our great rates on new and used boats. 

Boat Loan Payment Calculator

Calculate your monthly payment and find loan terms to fit your needs. 

Express Check

Learn how easy it is to shop like a cash buyer and get so much more for your money.

Enrich- Personal Finance Tools

With Enrich, you get a wide array of personalized tools engineered to boost your financial wellness.

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