Personal Watercraft Refinance
NOT ALL LOANS ARE CREATED EQUAL
Not happy with your current personal watercraft loan? Dealerships and other loan providers don't always have access to the best rates. It's time to explore other options.
Ironhorse Funding could help find a better personal watercraft loan to fit your budget by refinancing your Jet Ski, Sea-Doo, WaveRunner, or other personal watercraft. Apply for prequalification to see what you could qualify for.
PREQUALIFICATION ADVANTAGE
No impact to your credit score. No SSN required. No commitment.
Quick and easy—apply online for prequalification in just a few minutes. If you qualify, get instant rate and term options. No need for your social security number, and the prequalification won't mess with your credit score—it's a soft credit pull. The best part? No strings attached. If the offers don't float your boat, you can just walk away. See what you could qualify for.
Currently accepting applications in the following states:
AL, AZ, AR, CA, CO, CT, DC, FL, GA, ID, IL, IN, IA, KS, MA, ME, ND, NE, NH, NJ, NM, NC, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA.
How Does Personal Watercraft Refinancing Work?
GET PRE-QUALIFIED
Apply online to get an instant pre-qualification offer. No impact to credit score. No commitment.
CHOOSE YOUR RATE
If you prequalify, review offers and select your rate and term. A loan specialist will reach out with details.
SUBMIT DOCUMENTS
If you're approved, securely upload the required documents through our mobile-friendly online portal.
E-SIGN
Electronically sign for your new personal watercraft loan and we'll take care of the rest.
Why Refinance Your Personal Watercraft Through Ironhorse Funding?
Explore all your personal watercraft loan options.
Competitive Personal Watercraft Refinance Rates
We offer competitive personal watercraft refinance rates, including zero-down options for those who qualify.
Flexible Term OPTIONS
Extend Your Loan Term: Free up some extra cash and lower your monthly loan payment. Refinancing your personal watercraft to extend the term of your loan could provide the relief you need.
Reduce Your Loan Term: Want to pay off your loan sooner or planning a big purchase? Refinancing to shorten the loan term could help. You could save big on interest over the life of the loan, too.
NO PAyment for up to 45 days
When you refinance your personal watercraft through Ironhorse Funding, you can take advantage of up to 45 days before your first payment is due.
5-Star customer service
With hundreds of 5-star customer reviews, Ironhorse Funding is your trusted partner in personal watercraft refinance. Don't take our word for it! Check out our reviews here.
Easy, online payments
Download the Ironhorse Funding app to access/update your account information, make a payment, set up future payments, and view payment history.
How To Qualify For A Personal Watercraft Loan?
To qualify for a personal watercraft loan, you'll start by filling out the online prequalification application form. Prequalification will allow you to run through the application process without affecting your credit score. This will give you a good idea of what rate and term you would qualify for before you submit a full application. What is prequalification?
Your credit score plays an important part in the lending process and will play a factor in whether you qualify for a personal watercraft loan. Generally, the higher the credit score, the better rate you could qualify for. While your credit score will not be listed, pulling your free credit report can give you a better understanding of the influences affecting your credit score. Find out how to get your credit report for free.
Prequalification will utilize a soft credit pull and a full application will utilize a hard credit pull. Learn the difference between a hard credit inquiry vs a soft credit inquiry.
Personal Watercraft Refinancing Frequently Asked Questions
What is Personal Watercraft refinancing?
Personal watercraft refinancing is the process of replacing your existing personal watercraft loan with a new loan under a different term and rate.
How Soon Can I Refinance My Personal Watercraft?
It’s typically best to have at least six to nine months of on-time payment history before you apply to refinance your existing personal watercraft loan.
What Credit Score Do I Need to Refinance My Personal Watercraft?
Ironhorse Funding qualifies applicants who have a credit score of 660 or above. Credit score is not the only factor in determining your qualification for personal watercraft refinance.
Find out how to get a copy of your Free Credit Report.
What Makes are Eligible?
We offer financing for all popular makes including Jet Ski refinancing, Sea-Doo refinancing, WaveRunner refinancing, and more.
Still Got Questions About Personal Watercraft Refinancing?
Protection Products for Your Personal Watercraft
Cover Yourself From the Unexpected
GAP INSURANCE
GAP provides peace of mind. If there's a total loss on your personal watercraft, GAP insurance covers the financial gap between the value of your ride and your remaining balance.
VEHICLE SERVICE CONTRACT
Vehicle service contracts are available at different term lengths to protect your personal watercraft after the dealer's or manufacturer's warranty has ended.