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Apply today for a U.S. Bank boat loan to finance a boat. Loan payment example: a $25,000 boat loan at a 48 month term, monthly payment would be $578.45 and APR of 5.24%. A prepayment penalty of 1% of the original loan amount applies if the account is closed within 1 year, with a $50 minimum.A boat loan at South State Bank will help you purchase that center console boat or a sail boat. See our competitive boat loan rates. Whether you are in the market for a center console boat or a sail boat, South State can arrange the loan you need to buy it. We offer a variety of choices – on the.