Get on the water with financing that fits.
Competitive rates, flexible terms, and same-day approvals from trusted national and local lenders — with a team that guides you through every step.
One team for the whole boat
Whatever you’re buying or upgrading, we’ll structure financing around it.
New, Used & Brokerage Boats
Financing for your first boat, an upgrade, or a brokerage purchase — new or pre-owned.
Boat Trailers
Roll your trailer into the same financing package so you’re ready to launch day one.
Engine Re-Powers
Upgrade or replace your power without the upfront hit — finance the re-power instead.
Financing without the friction
We partner with national and local banks so you get the right rate — and a real person to walk you through it.
Fast, same-day approvals
Apply and often get approved the same day the banks are open.
Flexible terms
Terms from 6 to 20 years, structured to fit your monthly budget.
Trusted lenders
National and local banks competing to get you the most competitive rate.
Personal guidance
One team handles everything from application to approval — no runaround.
Boat Loan Calculator
Estimate your monthly payment. Adjust the numbers below to fit your budget, then apply when you're ready.
- Amount Financed$0
- Total Interest$0
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Estimates only and not a financing offer. Actual rates and terms depend on credit approval, lender, and the boat financed.
Frequently Asked Questions
Loan terms typically range from 72 to 240 months (6 to 20 years). We can structure the financing to best fit your budget and goals — whether you prefer lower monthly payments with a longer term or paying the boat off faster.
We work with both national and local banks to secure the most competitive rates possible for your situation. Rates are based on your credit profile, loan amount, term length, and down payment.
- Traditionally, a minimum of 10% down is required.
- Putting 20% down can often help you qualify for better interest rates.
- In select cases, we can offer 0% down financing depending on the boat, your credit, and the lender.
The minimum credit score required is 630. For the best available rates and terms, we recommend a credit score of 760 or higher.
For most loans under $200,000, proof of income is typically not required. However, the bank reserves the right to request additional documentation depending on the borrower’s credit profile or loan specifics.
We can often have you approved the same day, as long as the banks are open. Our team works efficiently to get your application submitted and approved as quickly as possible.
Yes — all financed boats must carry boat insurance, and our team can refer you to trusted marine insurance providers. Cost varies with the boat’s value, type, age, location, usage, and your boating history.
A common rule of thumb is 1%–2% of the boat’s value per year (some policies range 0.75%–5% depending on risk factors). For example, a $50,000 boat might run $500–$1,000 per year.
Secure Your Financing and Start Your Boating Journey
Owning a boat is closer than you think. Apply today and let our team guide you through a smooth and stress-free financing process.