Marine Boat Financing

Marine 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.


We reduce inquiries sometimes to zero by pre-qualifying you and only sending you to one matching lender at a time.


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

Stuck at home? So are we!
Our process is 100% online.

We live in a stressful world, but there's something about getting out on a boat that melts all that tension away in just a few minutes. When you take your boat out on the water, you can relax and unwind, leaving work and electronic devices behind. The way water moves is soothing for many people, so time on a boat can provide a sense of calm. One rejuvenating outing on a boat, and you may want to buy one for yourself.

We can help you do it. My Financing USA has assisted many people just like you with purchasing their dream boats. There's no requirement for a certain income level or a perfect credit history to get a new or used model. Often, we can connect you with a lender that offers favorable terms, even if you have poor credit

My Financing USA sources loans from many lenders, allowing you to choose the one you want. We prioritize protecting your credit, which means we limit hard inquiries that can impact your score. Instead, we send one at a time, reducing what shows up on your credit report. 

Quick and Easy Marine Financing for Boats 

Our application process is fast. Plus, we make it simple for you by doing everything online. You can apply through our site and even sign the closing papers on your phone. We use DocuSign so that you can secure financing from your home, office or dock. Our process also protects your information with a DigiCert Norton VeriSign Secured website, which keeps your information secure. 

You can shop for your boat knowing your budget when you apply for pre-qualification. This service tells you which lending programs you will qualify for and gives you an idea of how much you can spend on your purchase. 

Boat Loan Calculator - Boat Financing - My Financing USA

We Help You Access the Best Marine Boat Finance Options

How often do you have complete flexibility during your biggest financial decisions? My Financing USA sources marine boat finance options from all over the country, so you can choose the best rates and terms. Our reviews from satisfied customers reflect the effort we put into making you happy and finding the right financing options. What's more, My Financing USA has an A+ rating from the Better Business Bureau, which speaks to our trustworthiness. 

Our customers also appreciate how easy our process is. They feel confident in the security of our site. Other benefits of working with us include: 

  • Service across the 48 contiguous states. 
  • Nationwide low rates. 
  • Fast approvals. 
  • Credit protection. 

Enjoy more choice with us than when you apply for a personal loan or a loan through the dealer. Once connected to our lenders, you can buy your boat from anyone, including a private owner.

Take Five Minutes to Apply

You can complete our application in less time than it takes to bait a fishing hook. Fill out our online application today, and we will be in touch within 48 to 72 hours. You can also contact us to learn more about My Financing USA. 

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




In Applications

Compare Our Boat Loan Programs

Bad Credit Boat Financing Program

  • Rates Between 13.25% and 19.95%
  • 550 Minimum Score
  • Must Be Above $10k
  • 10% Down Preferred
  • 2011 or Newer Models (Older case by case)
  • Purchase from Private Party or Dealership
  • Recreational Use Only
  • Past Bankruptcy OK
  • Some Collections or Late Payments OK
  • Debt Ratio Under 40%

Good Credit Boat Financing Program

  • Rates Between 5.99% and 12.74%
  • 700 Minimum Score
  • Must Be Above $10k
  • 15% Down Preferred
  • 2011 or Newer Models (Older case by case)
  • Purchase from Private Party or Dealership
  • Recreational Use Only
  • No Bankruptcies
  • No Recent Late Payments
  • Debt Ratio Under 45%

A Company You Can Trust

RV Industry Association Member

RV Industry Association Member

We are a contributing and accredited member of the RVIA.

Norton VeriSign Secured

Norton VeriSign Secured

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

A+ BBB Rating

A+ BBB Rating

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

Additional Readings:

10 Best Boating Activities

Best Boating Activities

Whether you're taking a scenic solo trip, treating the family to a lakeside vacation or relaxing on a romantic getaway, here are the best games to play on a boat and the most popular boating activities to make your next boating adventure unforgettable. With our inspiration, you'll never be bored at sea!

Read More

Best Places to Go Boating  

We've compiled a list of the best boating lakes in the United States to help plan your future nautical expeditions. We'll show you where to go boating within your region or state, as well as dream locations for your next extended boating vacation. Check out our list of the best places to go boating!

Read More
wakeboarding in the ocean

Costs Of Boat Ownership

Recreational boating is recognized as a constructive outlet for entertainment. It provides boat owners plenty of enriching opportunities for self-discovery and to bond with their loved ones. Before diving into the deep end, it is beneficial to be aware of the various costs so that you can better plan your finances and make the process...

Read More