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Boat Loans United States · Est. Marine Finance
407-862-2225 Pre-Qualify
Marine Lending All 50 States Est. 2009

Boat Financing Made Simple.

Get matched with the best marine financing program in minutes — with rates from a nationwide network of America's most respected boat lenders.

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Loans Funded
$2.4B +
Lender Network
Nationwide
Avg. Decision
24hrs
A+ BBB Rated
Accredited marine lender network
256-bit Encryption
Soft pull · No SSN to pre-qualify
50 States
Coast to coast, Great Lakes to Gulf
4.9 ★ Reviewed
1,800+ borrower reviews
The Process

Three steps from dock
to open water.

We've stripped marine financing down to the essentials. Tell us about your boat, review your options, and choose the program that fits — most borrowers finish in under five minutes.

  1. 01 — Discover

    Tell us about your boat.

    Boat type, year, purchase price, and your down payment. A 90-second form — no SSN, no commitment, no impact to credit.

  2. 02 — Compare

    Review financing options.

    We match you with the marine lender that best meets your requirements. We compare APRs, terms, and monthly payments side-by-side to get you the best result.

  3. 03 — Set Sail

    Get matched with the right program.

    We prepare and send the paperwork to you via secure email. When ready, funds go directly to the dealer, broker, private seller, or seller's bank for payoff. Most borrowers close in 4–7 business days.

Featured Calculators

Run the numbers.
Then run the engine.

Three live calculators that estimate everything from a single monthly payment to the full annual cost of ownership. Update any field — the figures recalculate instantly.

Monthly Payment Calculator

Boat Ownership Cost Calculator

All costs are monthly. Don't sweat the precision — give your best estimate and we'll annualize the total.

Can I Afford This Boat?

A quick debt-to-income style check. We use a conservative 36% DTI ceiling — the same standard most marine lenders apply.

Quick math — We compare your boat-related obligations + existing debts against your gross income, then flag any squeeze.

* Estimates only — actual rate, term, and approval depend on credit profile, loan-to-value, boat age, and lender-specific overlays. Run a real quote in the wizard below for live offers.

Programs By Vessel

Whatever you're captaining,
we finance it.

From a $30,000 bass boat to a multi-million-dollar yacht — our lender network covers every category of watercraft, new or pre-owned, dealer or private party.

Fishing Boats

Center consoles, walkarounds, bass

From 6.99% APR

Yachts

Motor yachts up to $5M

Tailored programs

Sailboats

Cruisers and racers, 25–60ft

Long-term financing

Wake Boats

Surf, ski, and wakesurf

20-yr terms available

Pontoon Boats

Tri-toons, luxury layouts

Low down payment

Commercial

Charter, fleet, and business

Business-purpose loans

Other Watercraft

Jet boats, deck, cuddy & more

Custom financing
Why Boat Loans US

Built for borrowers,
backed by lenders.

We're a vetted lending marketplace, which means you get the same boat-and you get a specialist, but with real rate competition working in your favor.

01 / Network

Multiple marine lenders, one application.

Stop filling out the same paperwork five times. Submit once; we shop your file to the lenders most likely to fund it — at the best terms — based on your boat type, age, and credit profile.

02 / Specialists

Boats only — never mortgage.

Every lender in our network specializes in marine. They understand collateral nuances most banks don't, which means better rates, longer terms, and no surprises at closing.

03 / Soft Pull

Pre-qualify without touching your credit.

Our pre-qualification uses a soft inquiry — no FICO impact, no obligation. You only authorize a hard pull when you're ready to lock in a specific offer.

04 / Coverage

All 50 states, every coastline.

Florida to Alaska, the Great Lakes to the Gulf — our network has licensed lenders in every state, with state-specific tax and titling guidance built into your quote.

05 / Terms

Up to 20-year terms, $5M loan amounts.

Standard programs go up to 20 years for new vessels and 15 years for late-model used. Bigger purchase? Our yacht programs scale to $5M+ with custom underwriting.

06 / Speed

Pre-qualified in minutes, funded in days.

Initial pre-qualification takes under five minutes. Once you choose a lender, most files close in 4–7 business days. Funds wire directly to the dealer or seller.

Quote Wizard

Five minutes. Zero impact
to your credit.

Tell us about the boat and yourself. We'll route your file to the lenders that best fit your profile and come back with firm offers — usually inside one business day.

Step 01 of 10 · Boat Type
01/10

What type of boat are you financing?

Pick the closest match — we'll narrow it down later.

New or pre-owned?

Both qualify — pre-owned boats may require a marine survey for vessels older than 10 years.

Estimated purchase price

A rough number is fine — you can refine it later.

Down payment

Most marine programs require 10–20% down. A higher down payment unlocks lower rates.

Loan amount needed

We'll pre-fill this from price minus down — adjust if you'd like.

Boat age

Model year — newer vessels typically qualify for longer terms.

Credit score range

Soft estimate — this won't impact your credit. We use it to match you to the right tier of lenders.

How will you use the boat?

Use category affects which programs you qualify for (personal vs. business).

Where should we send your offers?

A licensed marine finance specialist will reach out — no robocalls, no spam.

Review & submit

Take one last look. We'll route this to lenders who match your profile and reach out with offers shortly.

Your Submission

Boat type —
Condition —
Purchase price—
Down payment —
Loan amount —
Boat age —
Credit range —
Intended use —
State —
Contact —

Your request is in the water.

We've routed your file to our marine lender network. Expect a call from a licensed specialist within one business day — usually much sooner.

Reference: —

Step 01 of 10
Frequently Asked

Questions, answered.

The most common things borrowers want to know before applying. Don't see your question? Call us at 407-862-2225 — a real marine specialist will pick up.

Q01 What credit score do I need to finance a boat?
Most marine lenders prefer a minimum credit score of 680 or higher for the best rates with our network includes specialty programs. The bigger factors are debt-to-income, loan-to-value, and how the boat is being used. We'll match you to the lender most likely to approve your specific profile.
Q02 How much should I put down on a boat?
Standard marine programs require 10–20% down, with 15% being the most common starting point. Putting more down typically unlocks lower rates and longer terms. New boats and late-model used vessels qualify for the lowest down payment minimums; older boats may require 20–25%.
Q03 How long can I finance a boat for?
Marine loan terms typically range from 5 to 20 years. New boats and yachts often qualify for the full 20-year term; pre-owned vessels usually max out at 15 years depending on age. Longer terms reduce your monthly payment but increase total interest paid — use our payment calculator to compare scenarios.
Q04 Will pre-qualifying affect my credit score?
No. Pre-qualification uses a soft credit inquiry, which is not visible to other lenders and does not affect your FICO score. A hard inquiry only happens once you select a specific offer and ask the lender to formally underwrite — and you'll authorize that step explicitly.
Q05 Can I finance a boat from a private seller?
Yes. Most of our lenders fund both dealer and private-party purchases. Private-party loans typically require a marine survey (an inspection by a certified marine surveyor) and may have slightly stricter LTV requirements. We'll guide you through the survey process if it's required.
Q06 Do I need boat insurance to get financed?
Yes — all marine lenders require proof of insurance before funding, with the lender listed as loss payee. You don't need a policy in place to apply or get approved, but you'll need to bind coverage before closing. We can connect you with marine insurance specialists when you're ready.
Q07 What's the difference between a personal and business-purpose boat loan?
Personal-use loans are for recreational boating and use your personal credit and income to qualify. Business-purpose loans (for charter operations, fleet operators) qualify on the business's financials and may have different rate structures, terms, and tax treatment. Tell us your intended use in the wizard and we'll route accordingly.
Q08 How fast can I get funded?
Pre-qualification takes about five minutes speaking with a representative. Once you select an offer, most files close in 4–7 business days from completed application to wire — assuming a survey isn't required. Private-party purchases with surveys may take 7–10 days. Funds wire directly to the seller or dealer at closing.
Ready to Cast Off

Your boat is waiting.
So is your rate.

Get pre-qualified in under five minutes — no SSN required to start, no hit to your credit, no obligation either way.

Get Pre-Qualified Now Call 407-862-2225
Soft pull only 24-hr decisions All 50 states No obligation