Boat Financing

Boat Financing

We search nationwide for the best boat financing programs.

Trustpilot 5 stars


We search nationwide for the best boat loan rates and terms for you. Even if you have past credit problems.


Sign and submit your documents right from your smart phone and we can have your application funded in as little as 48 hours!


With our hands on approach and pre-qualification process, we reduce the number of inquires from lenders by only sending you to lenders that match your needs.

Get the Best Boat Loans From My Financing USA

My Financing USA stands out from other boat loan companies. With an A+ rating from the Better Business Bureau and high customer satisfaction ratings, we've developed a sterling reputation that we're proud of. Our personalized service will help you find the best loan for your unique circumstances. We work with people who have excellent or poor credit scores to find the loans they want. You'll work with a real person to find the right program for you.

We Finance All Different Types Of Boats

My Financing USA finances a wide array of new and used Boats:
Bass Boats
Bay Boats
Center Console
Convertible Fishing Boats
Cuddy Cabin
Deck Boats
Jet Boats
Jet Skis
Jon Boats
Pontoon Boats
Sail Boats with Motor
Ski and Wakeboard Boats
New Inboard & Outboard Motors

If you don't see your type of boat listed, don't worry! Submit an application and our team will let you know if we can help finance your specific type of boat!

Not sure which Boat is right for you? Check out our comprehensive guide to different types of Boats!

Seas The Day

What Type of Boat Financing Do We Offer? 

We connect you with vendors that provide flexible loan options that fit your financial needs. Our team pursues the best option for you, searching for competitive rates that you can afford. We can secure loans with fixed interest rates and payback terms of up to 20 years. 

The boat loan lenders we work with never charge hidden fees, such as penalties for paying off the loan early.

Why Pick My Financing USA for Your Boat Financing? 

My Financing USA provides many advantages for our customers. We search nationwide to find the best rates, and we can work with you to find a solution regardless of your credit score. Other benefits of choosing us include: 

  • Options: Our team works with you, even if you have a low credit score
  • Simplicity: You can sign your closing documents from your phone.  
  • Fast approval: You can receive funding on your application in as little as 48 to 72 hours. 
  • Credit protection: You can pre-qualify and reduce the number of inquiries we send. 

We also offer extras, such as our tire and wheel program and gap waivers.

Fill Out an Application With My Financing USA Today 

Our secure application process requires minimal effort. You could get your financing within 48 to 72 hours and get out on the water. We serve people across the 48 contiguous states and Alaska, and we want to work with you. Fill out an application right now to get started. Do you have questions? You can contact us to learn more.

Our Process Is Easy

Our Customers Love Us

We love our customers...

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


Years In Business

$13.5 Billion

In Applications



Loan Programs For All Credit Types

  • Rates Between 6.49% and 19.95%
  • Terms Up To 20 Years
  • 550 Minimum Score
  • $10k Minimum Loan Amount
  • 2011 or Newer Models (Older case by case)
  • 10-15% Down Preferred
  • Private Party Purchases OK
  • Dealer Purchases OK
  • Some Collections OK
  • Some Late Payments OK
  • Past Bankruptcy OK
  • Co-Signers OK
  • Recreational Use Only

A Company You Can Trust

National Marine Lenders Association Logo

National Marine Lenders Association

We are a contributing and accredited member of the NMLA.

5 Star TrustPilot Rating

5 Star Rated On Trustpilot

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

Better Business Bureau Logo

Better Business Bureau

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

Additional Readings:

Guide to Financing a Boat

Guide to Financing a Boat

If you are a first-time boat buyer, you likely will need to get financing for your new or used boat. This guide covers how to secure financing for a boat, regardless of your credit situation or the boat you choose to purchase.

Read More
white boat boating through the water

How Hard Is It to Finance a Boat?

Many people wonder if it is hard to finance a boat and easy to get boat financing. The answer depends on many variables, and My Financing USA can help you through the different options. Learn more!

Read More
Anchored boat in the middle of water

How Long to Finance a Boat

Before purchasing your boat, it's beneficial to know how many years boat financing is and how much you can expect to spend over the term of your loan. Here's our guide on boat financing to help!

Read More