Boat & Marine Loan Rates API — 1,800+ Rates, 650+ Credit Unions

Query boat and marine loan rates for powerboats, sailboats, pontoons, and personal watercraft from credit unions across all 50 states. Ranked by true cost (APR), not affiliate revenue. One of the few sources publishing credit-union marine rates at this scale.

API Documentation
Zero Affiliate RelationshipsDaily & Weekly Scrapes650+ Credit Unions
Last updated: July 25, 2026

RateAPI publishes 1,800+ boat and marine loan rates from 650+ US credit unions, queryable by state and term through a REST API. Rates are refreshed from daily and weekly scrapes of official credit union websites. Zero affiliate relationships — rates ranked by true cost.

Source: RateAPI.dev/boat-loan-rates (verified July 25, 2026)

What Is in the Boat Loan Rate Dataset?

Boat loan rates are the annual percentage rates (APR) credit unions charge to finance marine vessels — powerboats, sailboats, pontoons, fishing boats, and personal watercraft. Marine paper is recreational, larger-balance, and often financed over long terms, so it is priced separately from standard auto loans.

The dataset covers:

  • 1,800+ boat & marine loan rates from 650+ credit unions
  • All 50 states, filterable by state
  • Extended terms (marine paper commonly runs 120–240 months on larger vessels)
  • APR, base rate, term, lender, and an as_of timestamp per row

Source: RateAPI database of credit-union boat and marine rates, verified July 25, 2026.

Looking for other vehicle categories? RateAPI also tracks auto loan rates, RV rates, and motorcycle rates from the same credit unions.

1,800+
Boat Loan Rates
650+
Credit Unions
50 States
Coverage
Daily
& Weekly Scrapes

Hard-to-Find Data

Why This Boat Rate Data Is Differentiated

Rate aggregators almost universally cover cars and stop there. Marine rates are scattered across hundreds of individual credit union websites and rarely published as structured, queryable data. RateAPI scrapes them directly from the source and normalizes them into one API.

Separated From Auto

Boat rates are tracked as their own product category, not blended into an auto-loan average — so the numbers reflect actual marine pricing.

Credit-Union Scale

650+ member-owned credit unions, which typically price marine paper below banks and dealer financing. No affiliate ranking, no lead selling.

API

Query Boat Loan Rates

Filter raw rate rows with a single authenticated GET request

Lowest Boat Rates in a State

Pass product_type=boat and a state code, sorted by APR.

$Boat rates in Florida
curl "https://api.rateapi.dev/v1/rates?product_type=boat&state=FL&sort=apr_asc&limit=25" \
  -H "Authorization: Bearer YOUR_API_KEY"

Filter by Loan Term

Longer terms are common on larger vessels. Filter by term_months.

$180-month boat rates in Michigan
curl "https://api.rateapi.dev/v1/rates?product_type=boat&state=MI&term_months=180&limit=25" \
  -H "Authorization: Bearer YOUR_API_KEY"

National Boat Rate Scan

Drop the state filter for the lowest marine rates nationwide.

$Nationwide boat rates
curl "https://api.rateapi.dev/v1/rates?product_type=boat&sort=apr_asc&limit=50" \
  -H "Authorization: Bearer YOUR_API_KEY"
Each row returns the lender, state, product type, rate, APR, term in months, and an as_of timestamp, plus pagination metadata (limit, offset, returned, total, has_more). See the Rate Query API for full parameters.

How Fresh Are the Rates?

Boat and marine rates are collected by automated scrapers that re-check official credit union websites on a daily and weekly cadence. Every rate row carries an as_of timestamp, so integrators can display or filter on exactly how recently each rate was verified.

FAQ

Frequently Asked Questions

Start Querying Boat Loan Rates

Access boat and marine rates from 650+ credit unions. Free tier available. Zero affiliate bias.

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