Skim across a quiet lake. Find a favorite fishing spot. Cruise into the sunset. Take to the water any way you want with affordable rates on boat loans.

Easy online applications. Quick approvals. When you apply for one of our boat loans, you'll encounter plenty of smooth sailing. You're on your way to enjoying what you've worked hard and saved for.

  • Financing available for new and used boats
  • Competitive rates as low as 8.00% APR*
  • Flexible repayment options
  • No down payment
  • No pre-payment penalty
  • Easily manage your loan online or through our mobile app

Questions? We can help.

Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST

Talk to an Account Specialist

Schedule an appointment

Get a personalized consultation.

Exclusive Benefits Include

Apply Online

We're certain our easy online loan application process will float your boat.

Digital Document Delivery

Go from approved to funded all from the comfort of your own home.

Fast Approvals

Spend less time waiting and more time out on the water.

Start Saving Now

Not ready to buy just yet? Set up recurring transfers in Online and Mobile Banking to build your savings account for the right time.

Manage Anywhere

Manage your loan payments and monitor your account, even from your boat's deck.

RVs & Campers

Looking for a different type of relaxation? We also offer low rates on loans for landlubbers.

Where will you be when the great outdoors calls?

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Get a good look at where you are and where you're going next.

Financial Calculators

General Recreational Loan FAQs

We offer several options to make it as convenient as possible for you.

  1. If you are a CUTX member, log into online banking(Opens in a new Window) and make a payment with a funds transfer
  2. If you're not a member, use your financial institution to pay via Bill Pay
  3. Set up AUTO PAY, Save the hassle of making your future payments
  4. Use our Recreational Buying Service to search for your next new or used vehicle and lock in a great price 
  5. Make a payment through the payment system
  6. Call 972-263-9497 and choose option 4 for Member Services ($15 Service Fee is applied to phone payments)
  7. Make an automated payment through Telephone Teller: Call 972-263-9497, choose option 1
When you're pre-approved before you shop, you know exactly how large a monthly payment you qualify for. This helps you narrow your search to cars you can afford. It also puts you in a better negotiating position with dealers who might otherwise craft a deal that would create a financial problem for you. Lenders who are not dealers don’t have cars to sell, and therefore tend to make loans that aren't risky for you.
a. That all depends on your financial situation and how and when you want to pay off your loan. A general rule of thumb is the longer your term, the lower your monthly payments can be. For $20,000 borrowed over 60 months at 4.50% APR, the monthly payment is $373. This example is an estimate only and assumes all payments are made on time.
Recreational loans can often be approved in only a few minutes, especially if you call or apply online. If you want to work directly with a person, you can always stop by one of our locations.

You can click here(Opens in a new Window) and provide the declaration page provided by your insurance company that shows Credit Union of Texas listed as lienholder. Keep in mind, a copy of your insurance card is not acceptable for this documentation.

If you'd rather send us your proof of insurance by mail or fax, please use this address or number:

PO Box 690588
San Antonio, TX 78269
Fax: 866-830-7922

(This address is for providing proof of insurance only. Please do not send your loan payments to this address.)

If you have other questions, call us at 866-382-0069.


Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!

Russell V.

I always feel like I’ve been given the best advice for me and my family. They really do put their members first.

Sonya M.

I simply love this credit union location. My family has gotten several auto loans and personal loans there. I have been a member for over 30 years and my children have accounts also.

Laretha S.

We're Here To Help

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We have several locations in DFW and East Texas. Come see us!

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Ready to apply?

Apply online now or get started if you need assistance with your application.

*APR=Annual Percentage Rate. Rate shown is the lowest rate available for recreational loans up to 36 months for models 5 years or newer. Finance options for models more than 5 years old are also available. Representative example of repayment terms: For $20,000 borrowed over 36 months at 8.00% APR, the monthly payment is $627.01 (with 30 days to the first payment). For $20,000 borrowed over 60 months at 8.05% APR, the monthly payment is 406.21 (with 30 days to the first payment). This example is an estimate only and assumes all payments are made on time. Maximum term for loan amounts of $10,000 - $49,999 is 84 months. Minimum finance amount of $50,000-$75,000 for terms up to 120 months. This is not a commitment to lend. Loans and rates are subject to credit approval and loan program guidelines. Advertised rates and terms are subject to change without notice. Additional terms and conditions apply. Recreational vehicle loans include boats, motor homes, travel trailers, and campers. Membership required.