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Private Party Boat Financing

Private Party Boat Financing

We search nationwide for the best boat financing programs.

5 Stars on Trustpilot

Apply Online In 5 Minutes

Can You Finance a Private Party Boat Loan?

Absolutely! At My Financing USA, we provide the professional security, fraud prevention and closing services you would normally only find at a dealership. With our simple loan process, we make sure you have the funds you need to finalize your loan regardless who your seller is.

With access to the best recreational lenders and expert loan officers, you can finance your dream boat or yacht at the best rates possible with confidence and peace-of-mind.

See If I Qualify
A fun boating day on the water. Someone is jumping into the ocean.

Over 25,000 Customers Chose My Financing USA

Low Rates. Fast Funding.

Our seamless process provides the speed and accuracy private sellers demand with the security you need.

Advanced Fraud Protection

Our experts help protect you from fraud by verifying your unit and ensuring there are no hidden liens.

Seamless Ownership Transfer

We manage the bill of sale, title transfer and registration, acting as a professional bridge between you and the seller.

Financing for Older Vessels

While most banks won't touch older boats from private sellers, our lenders offer options for older years and models.

Apply Now in 5 Minutes

Our Process Is Easy

1

Apply Online

Use our secure website to submit your information.

2

We Find Your Match

We verify your information and match you with the right nationwide boat loan program.

3

Sign & Sail!

Sign your closing docs right from your phone then pick up your boat with a check in hand.

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Our Customers Love Us

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We love our customers...

Because customers like you keep referring friends and family, we keep growing!

22

Years In Business

$16.2 Billion

In Applications

390K

Customers

Compare Our Boat Loan Programs

Good Credit Boat Financing

  • 670 Minimum Score
  • Rates Between 5.99% and 13.95%
  • Must Be Above $10K
  • Private Party Purchases OK
  • Dealer Purchases OK
  • Full Timers OK
  • Trusts & LLCs OK
  • No Bankruptcies
  • No Collections
Learn More
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Bad Credit Boat Financing

  • 550 Minimum Score
  • Rates Between 14.74% and 19.95%
  • Must Be Above $10K
  • Private Party Purchases OK
  • Dealer Purchases OK
  • Full Timers OK
  • No Trusts & LLCs
  • Past Bankruptcy OK
  • Some Collections OK
Learn More
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A Company You Can Trust

National Marine Lenders Association Logo

National Marine Lenders Association

We are a contributing and accredited member of the NMLA.

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5 Star TrustPilot Rating

5 Star Rated On Trustpilot

We are the highest rated RV & boat lender in the USA.

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Better Business Bureau Logo

Better Business Bureau

We have the highest possible rating from the Better Business Bureau.

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