---
title: "Boat & Marine Loan Rates API"
description: "Boat and marine loan rate data: 1,800+ rates from 650+ US credit unions. Query by state and term via the REST API. Updated from daily/weekly scrapes. Zero affiliate bias."
canonical: "https://rateapi.dev/boat-loan-rates"
last-updated: "2026-09-27"
source: "https://rateapi.dev/llms.txt"
---

# 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.

Get a Free API Key [API Documentation](https://api.rateapi.dev/)

Zero Affiliate Relationships Daily & Weekly Scrapes 650+ Credit Unions

Last updated: September 26, 2026

[Home](https://rateapi.dev/) / Boat Loan Rates

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](https://rateapi.dev/boat-loan-rates) (verified September 26, 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 September 26, 2026.

Looking for other vehicle categories? RateAPI also tracks [auto loan rates](https://rateapi.dev/auto-loan-rates) , [RV rates](https://rateapi.dev/rv-loan-rates) , and [motorcycle rates](https://rateapi.dev/motorcycle-loan-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

Copy

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

Copy

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

Copy

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](https://rateapi.dev/rates-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

RateAPI tracks 1,800+ boat and marine loan rates from 650+ US credit unions, covering powerboats, sailboats, pontoons, and personal watercraft. Rates are queryable by state and term through the REST API.

How many boat loan rates does RateAPI track?

Boat and marine loan rates are refreshed from automated daily and weekly scrapes of official credit union websites. Each rate carries an as_of timestamp so you can see exactly when it was last verified.

How often is boat loan rate data updated?

Marine collateral is recreational, larger-balance, and financed over longer terms, so credit unions price boat loans differently from cars. Tracking them as their own category gives accurate marine pricing instead of a blended auto average.

Why track boat loan rates separately from auto loans?

Marine rates are rarely published as structured data. Most aggregators only cover cars. RateAPI is one of the few sources that publishes credit-union boat and marine rates across 650+ institutions in a single API.

Where else can I find credit union boat rates at this scale?

## Start Querying Boat Loan Rates

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

Get Started [View Documentation](https://api.rateapi.dev/)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

---

Source: https://rateapi.dev/boat-loan-rates
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp