Happy couple riding a jet ski.

Personal Watercraft & Jet Ski Financing

Ready to cool off on Arizona's lakes? Whether you're buying your first jet ski or upgrading to a newer personal watercraft, our low rates and flexible terms help make financing simple and affordable. Apply today and enjoy more time on the water with family and friends.¹

View Rates

Personal Watercraft & Jet Ski Loan Benefits

From Lake Pleasant to Lake Havasu, a personal watercraft can open the door to more adventures on Arizona’s lakes, whether you’re shopping for a Sea-Doo, a WaveRunner or another new or used model.

Copper State CU Personal Watercraft and Jet Ski Loans feature:

Competitive Rates

We offer some of the lowest rates in AZ to help you save on the cost of ownership.

Flexible Terms

Flexible terms of 12 to 84 months help you get payments that fit your budget.

Finance New & Used Watercraft

Used watercraft may qualify for financing based on age, condition, value and other factors.

Fast & Simple Online Application

There's no need to visit a branch to apply for personal watercraft financing.

Father and daughter riding a jet ski.

Personal Watercraft Loan Rates

We believe in transparent lending. While rates, terms and conditions are subject to change, this table provides a general overview of our lowest available rates by credit tier.

See below for more info on how to read this chart and for definitions of key terms.

Personal Watercraft Loan Rates by Credit Score

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	7.50%	7.80%	8.50%	9.50%
2021 & Newer	≤90%	7.85%	8.15%	8.85%	9.85%
2021 & Newer	≤110%	8.10%	8.40%	9.10%	10.10%
2015 - 2020	≤70%	8.75%	9.05%	9.75%	10.75%
2015 - 2020	≤90%	9.10%	9.40%	10.10%	11.10%
2015 - 2020	≤110%	9.35%	9.65%	10.35%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	7.90%	8.20%	8.90%	10.40%
2021 & Newer	≤90%	8.25%	8.55%	9.25%	10.75%
2021 & Newer	≤110%	8.50%	8.80%	9.50%	11.00%
2015 - 2020	≤70%	9.15%	9.45%	10.15%	11.65%
2015 - 2020	≤90%	9.50%	9.80%	10.50%	12.00%
2015 - 2020	≤110%	9.75%	10.05%	10.75%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	8.50%	8.80%	9.50%	11.25%
2021 & Newer	≤90%	8.85%	9.15%	9.85%	11.60%
2021 & Newer	≤110%	9.10%	9.40%	10.10%	11.85%
2015 - 2020	≤70%	9.75%	10.05%	10.75%	12.50%
2015 - 2020	≤90%	10.10%	10.40%	11.10%	12.85%
2015 - 2020	≤110%	10.35%	10.65%	11.35%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	9.50%	9.90%	10.80%	12.80%
2021 & Newer	≤90%	9.85%	10.25%	11.15%	13.15%
2021 & Newer	≤110%	10.35%	10.75%	11.65%	13.65%
2015 - 2020	≤70%	10.75%	11.15%	12.05%	14.05%
2015 - 2020	≤90%	11.10%	11.50%	12.40%	14.40%
2015 - 2020	≤110%	11.60%	12.00%	12.90%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term
2021 & Newer	≤70%	11.00%	11.60%
2021 & Newer	≤90%	11.40%	11.95%
2015 - 2020	≤70%	12.25%	12.85%
2015 - 2020	≤90%	12.65%	13.20%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term
2021 & Newer	≤70%	18.25%
2021 & Newer	≤90%	19.00%
2015 - 2020	≤70%	19.50%
2015 - 2020	≤90%	20.25%

Rates are effective as of August 24, 2026

More Info:

⚖️ LTV is your Loan-to-Value Ratio, which compares the amount you're borrowing to the value of the collateral. The lower the better!

📅 Loan Term is the length of time you'll repay the loan, usually expressed in months.

📈 Credit Score is a number between 300 and 850 that reflects your ability to repay a loan. Find out more about credit scores' five key factors, or log into online banking to check your current score.

⚓ *For a 72-month term, the amount financed must equal or exceed $15,000. For an 84-month term, the amount financed must equal or exceed $25,000. For a 120-month term, the amount financed must equal or exceed $50,000.

Why Finance A Jet Ski With Copper State CU?

A personal watercraft makes every weekend more memorable as you explore Arizona's lakes. Features of our Jet Ski Loans include:

Competitive rates amongst the lowest in AZ
Flexible terms up to 84 months
Zero to no fees

You may also qualify for these exclusive offers:

Financing with 1% cash back.² Receive 1% of your financed amount back after finalizing the loan.
Make no payments for 60 days.³ Enjoy extra flexibility with 60 days before your first boat loan payment is due.

Teen boy riding a jet ski.

Jet Ski Loan Calculator

Wondering what your monthly boat costs could look like? Use our boat loan payment calculator to estimate your monthly amount and the total interest you may pay over the life of the loan. Then email the results to yourself for easy reference while you shop.

Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only, and its use does not guarantee an extension of credit.

Loan Amount

Interest Rate (%)

Loan Terms (months)

$${amount}/mo

Email me results

First Name

Last Name

Email

Email me results

Success! Your calculator results have been emailed.

Please fill all the fields.

Answers To Some Frequently Asked Questions

How long can I finance a jet ski?: Our jet ski loan terms range from 60 to 120 months, depending on the loan amount and your credit profile.

Will applying for a jet ski loan affect my credit score?: Your credit will be checked when applying for jet ski financing. A hard credit check may lower your score by a few points for several months.

Can I finance accessories, trailers or equipment with my jet ski loan?: Yes. You may be eligible to include accessories, a trailer or other equipment in your loan when they are purchased at the same time as the jet ski. Eligibility depends on the total purchase value and your credit profile.

Can I finance a used jet ski?: Yes. Personal watercraft financing is available for both new and used jet skis. Loan terms and rates may vary based on the age, value and condition of the personal watercraft.

Can I pay off my jet ski loan early?: Yes. You can make extra payments or pay off your jet ski loan early to save on interest. There are no penalties for early repayment.

Is it hard to get financing for a jet ski?: Jet ski financing may be easier to qualify for than you think. Loan approval depends on your credit profile, income and monthly debt obligations.

How much is jet ski insurance a year?: The cost of jet ski insurance varies depending on the type of personal watercraft, its value and other factors. The coverage limits and deductible you select can also affect your premium.

What credit score is needed to buy a jet ski?: A minimum credit score of 650 is required to qualify for jet ski financing. Approval also depends on your income, monthly debts and the value of the personal watercraft purchased.

Disclosure

¹All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership is required. APR = Annual Percentage Rate. For a 72-month term, the amount financed must equal or exceed $15,000. For an 84-month term, the amount financed must equal or exceed $25,000. For a 120-month term, the amount financed must equal or exceed $50,000. Refinanced personal watercraft loans must be from another financial institution. Rates listed are the lowest and highest annual percentage rates available. Actual APRs and term depend on credit history, type of product and our underwriting standards. For each loan request, Copper State CU will determine the LTV (Loan to Value) using MSRP for new vehicles and Kelley Blue Book retail for used vehicles.

²The 1% cash back promotional incentive applies to vehicle purchases or refinances. The minimum financed by Copper State Credit Union must be greater than or equal to $15,000 to qualify for the promotional incentive. Any earned promotional incentive will be reported to the IRS for tax purposes and will be deposited into the member’s primary share account. Promotion ends December 31, 2026. Restrictions may apply. Offer subject to change without notice.

³60 Day No Payments offer subject to change without notice.