Boat Loans
Visit us before you get on the water.
Leave stress behind as you float on the boat of your dreams. Desert Community Bank makes it possible with competitive interest rates, 100% financing for qualified customers, and more.
FEATURES OF A BOAT LOAN:
- Receive no prepayment penalties
- Breathe easy with our simple loan application
- Enjoy low fixed rates
- Get the most out of the variety of terms available
- 0.25% rate reduction for qualified customers1
- 0.25% rate reduction when payments are automatically made from a Desert Community Bank deposit account2
You’ll need to meet the following requirements to qualify for boat financing:
- Be 18 years or older
- Be a U.S. citizen or permanent resident alien
- Be a resident of California
- Available for individual borrowers only. Other restrictions and underwriting conditions may apply
FAQs
There are two convenient ways to apply:
- Call or visit any Desert Community Bank branch
- Call (760) 243-2140 toll free
Please see NADA Boat Pricing.
Yes. Take advantage of Desert Community Bank's competitive rates and save.
Loans are available for boat models that are 10 years old or newer. We do not finance:
- Boats built and used exclusively for racing
- Non-production boats
- Wooden boats
- Damaged boats or boats purchased for reconstruction
- ID Verification
- Income verification
- Signed purchase agreement (if applicable)
- Copy of title (if private seller)
- Proof of insurance
At a local branch. We make it easy to find a branch near you and to schedule an appointment with a Desert Community Bank representative.
The funds will be available at the time of closing.
Please see Privacy Notice.
You may also be interested in:
$100 origination fee.
Programs subject to change without notice. Underwriting terms and conditions apply.
1Requires a Desert Community Bank checking, savings, CD, or money market account. Must be established and selected before loan approval.
2Subject to loan approval. Automatic payments must be established and elected at the time of application; subject to change at any time.