Boat Financing

Boat Financing

We search nationwide for the best boat financing programs.


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


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.


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

Our process is 100% online.

Have you ever seen the boats at a lake and imagined yourself as a captain? Owning a boat delivers many fun ways to spend your time. Whether you have a passion for fishing or love water skiing, boat ownership can help you make the most of the water near you. Before you move forward with your dream, you need to find the best way to finance a boat. 

My Financing USA connects buyers like you with lenders that offer new boat loan financing. When you work with us, you enjoy the flexibility that a dealership's terms and conditions lack. Dealers have one option and lock you in without letting you shop around for the best rates. You may also get less favorable terms if you sign for a personal loan.

When you explore boat financing options nationwide with My Financing USA, you can see the best deals available to you before you decide on a lender. We operate in all 48 contiguous states, matching you to lenders that offer payback terms of up to 20 years and low interest rates. You can also purchase from a private owner when you choose My Financing USA. We let you find the boat you want with terms you like.

Why We're the Best Place to Finance a Boat

We stand out among boat financing companies for several reasons:

A+ rating from the Better Business Bureau reflecting our customers' trust in us
Excellent, responsive service and quick application turnarounds
Norton VeriSign Secured website to keep your information safe
Pre-qualification so you can start shopping for a new boat within your budget
Online closing to allow you to sign your documents on your phone

Finance a Boat Online Through My Financing USA

The application process for My Financing USA is straightforward and secure. First, you enter basic details about yourself and your income into our website, which safeguards your information. When we receive your application, we get in touch right away. Our representatives open a conversation about your goals. You may have questions about the loan process, such as if you can gain approval for a loan with bad credit. Our team can discuss anything you want and give you a better idea of what to expect going forward. 

We Work With People With Good and Bad Credit

You can still find the best boat financing, even if you have a low credit score. Our team enables people with poor, excellent and average credit ratings to afford the boats they want. We submit your name to one lender at a time to minimize the number of inquiries into your credit. If you receive multiple rejections, we consult with you to help raise your credit score and become more appealing to lenders. 

Fill Out an Application for Online Boat Financing Today

Getting boat financing online is easy and safe when you go through My Financing USA. Begin by taking five minutes to fill out your application today. Get in touch with our team if you have questions about our services. 

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


Team Members



Over $12 Billion

In Applications

Loan Programs For All Credit Types

  • Rates Between 7.24% 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

NMLA Member

We are a contributing and accredited member of the NMLA.

Norton VeriSign Secured

Norton VeriSign Secured

Our online application is secured with the most trusted name in online security.

Better Business Bureau A+ Logo

A+ BBB Rating

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