Boat Loans

Adventure is at your fingertips in the form of a shiny new boat, but the funds for your dream boat are coming up a bit short. Boat loans make your dreams possible by providing the money, as a secured loan, to buy your boat and pay off the balance in monthly payments. With term options up to thirty years to repay your loan as well as variable and fixed rate options choose a loan term and rate that allows you to make monthly payments that fit your monthly budget. Having a set amount in mind will ensure you don’t go over budget and will help when deciding loan terms. Make your loan process go even smoother by knowing your credit score and having your financial documents such as bank account statements, tax returns and proof of income in hand when applying.

Boat loans are provided for all types of boats:

  • Yachts
  • Mega yachts
  • Multi-hull
  • Fishing Boats
  • Power boats
  • Sail boats
  • Cruisers
  • Pontoons
  • Vintage boats
  • House boats
  • Personal Water Crafts (wave runners, jet skis, etc.)
  • and many more…

Things to consider before signing a boat loan application:

  • APRs may change by state and lender
  • Down payments may be required
  • Interest rates may change by credit score and loan amount
  • Some lenders may have minimum loan amounts (usually around $10,000)
  • Your loan payment and interest rates may change based on the the age and length of the vessel and if the boat is new or used
  • Boats less than 26 feet long must be in title state


Calculate the loan amount on your boat purchase below. Please note that APRs are subject to change by day and lender.

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