Boat Loans

Boat Loans with Boat Financing USA

Since 2003, has served the boating community with over $1.7 billion in recreation loan applications and counting. Now celebrating our 15th year, we are happy to announce new lending programs with competitive rates for qualified applicants. We offer boat financing for purchases from dealers and individuals as well as refinancing for your existing boat loan for good and bad credit. Apply now and see what we can offer you!

  • Competitive Nationwide Rates!

  • FastLane 24hr Approval Service
  • Dedicated Boat Loan Specialists
  • Better Business Bureau A+ Rating
  • The Best Boat Loan Rates We Can Find
  • Bad Credit Boat Loan Programs Available
  • 550 Minimum Credit Score
  • 20 Year Terms For Loans Over $100,000
  • 30 Day Lock-In Pre-Approval & Rate

*Rates and terms vary by state and are subject to credit approval.

Apply Now

What Boat Loan Programs Do You Offer?

First tell us what your situation is. We have programs specifically designed for both good and bad credit. Click below for more information:


Rates range from 4% to 17.99% based on your credit,
the collateral you are purchasing, the state that you live in,
and other factors.

boat loan rates30 Day Rate Lock Guarantee

When it comes to Boat Loans, we make it simple. Lock in your rate today for 30 days!


For Quotes, Purchases, & Refinances…
Apply Online

Bad Credit Boat Loan Program?

At Boat Financing USA, we make applying for a boat loan a fast and easy process even if you have had credit challenges in the past. Here’s what you’ll need depending on your specific situation:

  1. First, choose a boat you’d like to buy. Make sure you know the year, make, model, engine type, and model number.
  2. Apply online using our 128bit secured website.
  3. Provide proof of income. This includes a pay stub and W2 if paid hourly or salary. If you are retired, a benefit letter or bank statement. If you are self-employed, we require 2 years tax returns.
  4. Sign with one of our certified boat loan signing agents.
  5. Pay your seller within 3 business days of signing.

Find out more about our Bad Credit Boat Loan programs or apply online to start the process.

Apply Now