FAQs (data-driven)

Personal Watercraft Loans

• How much can I afford with a personal watercraft loan?

  We recommend receiving pre-approval prior to looking for a personal watercraft. Pre-approval can help determine your budget and introduce communication with a financial service representative.

• What is the difference between a boat loan and a personal watercraft loan?

  Each loan is specialized for the vehicle that is being purchased. A boat loan includes boats, new and used. A personal watercraft loan includes small, motorized vehicles designed for an individual; new and used.

• Will I need a separate loan for the personal watercraft(s) and a trailer?

  No, we are able to include the personal watercraft(s) and trailer within the same loan. For additional questions and limitations, please reach out to us at 800-283-4550 or visit a branch near you.

• Where can I purchase a personal watercraft?

  Whether you purchase through a dealership or private party, we can help. Onsite financing is available at most dealerships. Ask your dealership for Goldenwest Credit Union financing.

• Do personal watercraft have a Title?

  Title requirements for boats are also held for personal watercraft. In the State of Utah, every watercraft from 1985 and forward must be Titled. Trailers weighing over 750lbs are also required to be Titled. Exceptions may apply. Other States may vary. For additional questions, please reach out to us at 800-283-4550 or visit a branch near you.