Bad Credit Boat Loans

Bad credit boat loan programs with Boat Financing USA

Bad Credit Boat Loans

Boat Financing USA’s bad credit boat loan program will give your boat loan application a fair shake, even if you have bad credit. We can approve customers with credit scores as low as 550 with competitive rates for terms up to 12 years! Even if you have a previous bankruptcy! Apply now to see what rate we can offer you.

How Can I Qualify For This Program?

  • No Model Year Requirement!
  • $10,000 Minimum Loan Amount
  • $75,000 Maximum Loan Amount
  • No Down Payment Options Case by Case
  • Minimum Credit Score of 550
  • Must Provide Proof of Income Prior To Closing
  • Maximum Boat Length is Around 28′


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What might disqualify me?

  • High Debt Ratio
  • Unverifiable Income
  • Credit Scores Below 550
  • Multiple Bankruptcies
  • Large, Outstanding Collections


Boat Loan Services Offered:

Sailboat Loans, Powerboat Loans

Other Loan Services Offered:

RV Loans

*Bad Credit boat loan rates are subject to credit approval and vary state to state. Bad Credit Boat Loan Program is not available for non-traditional boats, personal watercraft, or vessels larger than 28 feet.   Approvals are good for 45 days.