Competitive rates, flexible terms, and expert guidance to get you on the water faster
✓ No impact to credit score • ✓ Decision in 24-48 hours • ✓ Rates as low as 6.99%
Whether you're purchasing your first sportfish or upgrading to a larger yacht, our specialized marine lending partners make boat ownership accessible and affordable. With competitive rates, terms up to 20 years, and a streamlined application process, we help you get on the water sooner while preserving your capital for what matters most—creating unforgettable memories on the water.
Access rates as low as 6.99% APR with our network of specialized marine lenders
Loan terms up to 20 years on qualified vessels with customizable down payment options
Get pre-qualified in minutes with decisions typically within 24-48 hours
Dedicated marine lending specialists who understand yacht and sportfish transactions
Bank-level encryption and secure document handling protect your sensitive information
We work with borrowers across various credit profiles to find the right solution
Pay off your loan early without additional fees on most loan programs
Streamlined paperwork process with digital signatures and secure online portal
Use our interactive calculator to find a comfortable fit for your budget
This is just an estimate. Get pre-qualified in less than 5 minutes to see your actual rate and monthly payment—no impact to your credit score!
Get Pre-Qualified Now →✓ Quick 5-minute application • ✓ Instant decision • ✓ No credit impact
* This calculator provides estimates only. Actual rates and terms may vary based on creditworthiness, vessel age, condition, and other factors. Contact our financing partner at zedwards@boatfi.com or (772) 882-8871 for a personalized quote.
Get pre-qualified and matched with the perfect loan program in days, not weeks
Browse our extensive inventory of sportfish and yachts. Our team can help you identify the perfect vessel that fits your lifestyle and budget.
Complete our secure online application with details about the boat and your financial situation. We'll review and explore loan programs tailored to your needs.
Once approved, we handle the paperwork and ensure your loan is funded promptly. Start enjoying your new boat as soon as possible!
See how others turned their boat ownership dreams into reality with our financing solutions
Took almost 6 months to find a boat that would fit my needs. Had multiple complements from the seller about how smooth and fast the process was. Any questions/concerns were answered quickly. Thank you!
— Ashton
From start to finish our loan process went very well. They were professional, timely and proactive. There was no bait and switch, everything went as we discussed. Couldn't ask for a better process!
— David
He communicated with us daily to let us know next steps for our loan. He was able to negotiate terms we were not able to secure anywhere else on our own. Highly recommend!
— Derrick
Excellent from the beginning to the end of the transaction. Upfront and knowledgeable, friendly and efficient. I would recommend to friends and family without hesitation!
— Kelly
Working with the team was such a great experience. I drove them crazy bouncing from boat to boat, but they hung in there every step of the way until I found the perfect boat for my family. We closed in just a few days!
— Don
Overall just a great experience working on several boat deals. Highly recommended! Professional and efficient throughout the entire process. Couldn't be happier with the service!
— Jorge
Complete our quick pre-qualification form and discover your financing options today. Our secure, fast application takes just minutes and won't impact your credit score.
Start Your Application →Questions? Contact our Licensed Boat Financing Expert at zedwards@boatfi.com or (772) 882-8871 • Official financing partner
Generally, a credit score of 680 or higher qualifies for the best rates. However, we work with borrowers across various credit profiles and can often find solutions for scores as low as 600.
Typical down payments range from 10-20% of the purchase price. Higher down payments may qualify for better interest rates and terms.
Most yachts and sportfish boats qualify, typically ranging from $50,000 to $5,000,000+. We finance new and used vessels based on age, condition, type, and intended use.
Pre-qualification decisions are typically made within 24-48 hours. Full approval and closing can be completed in as little as 7-10 business days with complete documentation.
Absolutely! We offer refinancing options that could lower your monthly payments or reduce your interest rate. Contact our Licensed Boat Financing Expert at zedwards@boatfi.com or (772) 882-8871 to discuss how we can help you with refinancing.
Yes, lenders require proof of adequate insurance coverage before closing. We can connect you with marine insurance specialists to ensure you get the right coverage at competitive rates.
Yes, we can accommodate financing for business entities and trusts. Additional documentation may be required to establish the entity's creditworthiness and ownership structure.
Most of our loan programs do not have prepayment penalties, allowing you to pay off your loan early without additional fees. Specific terms vary by lender and loan program.