Financing
Work out the payment before you fall in love
Marine lending isn't a car loan. Terms run long, rates move with the market, and the right structure can be the difference between the boat you want and the one you settle for.
Payment estimator
Roughly what it looks like
An estimate only, worked out in your browser — nothing is sent anywhere. It leaves out tax, title, registration and any insurance the lender requires. Your real rate depends on credit, the boat's age and the amount financed. A quote from the lender is the number that counts.
How it actually goes
Three steps, no theatre
- Tell us the boat and the budget. We'll be honest about what's realistic before anybody runs credit.
- We put it in front of marine lenders. Not the local bank that treats a 32-foot Pursuit like a jet ski — people who lend on boats every day.
- You get terms in writing. Rate, term, payment and what they need from you. No surprises at signing.
What helps your case
A decent down payment, a clean credit file, and a boat the lender can value — which is one more reason the four brands we carry hold up. Trades count toward the down payment.
Know what you want? Apply online
The same secure credit application our desk uses — about ten minutes, and it goes straight to the marine lenders we work with every day. Your social security number is entered on the lender's secured application only, never on our site.
Straight answers
Financing questions we get every week
Can I apply online?
Yes — the same secure credit application our desk uses, about ten minutes. Your social security number is entered on the lender's secured application only, never on our site.
Can my trade count as the down payment?
Yes. Trades count toward the down payment — get a trade value and put the equity to work.
What helps an approval?
A decent down payment, a clean credit file, and a boat the lender can value — one more reason the four brands we carry hold up.
What do I see before signing?
Rate, term, payment and what the lender needs from you — in writing, before anything is signed. No surprises at the desk.
Get set up
Tell us what you're working with
Send this over and we'll come back with what's achievable — including whether waiting a season or changing the down payment gets you into a better boat.
Rather talk it through?
(302) 436-1737