Pontoon Boat Financing

Pontoon Boat Financing

We search nationwide for the best pontoon 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.

Pontoon boats make quite an impression as they cruise around the lake. With many uses, from fishing to watersports, and a unique appearance, they could become your favorite way to get around. Piloting a pontoon boat provides endless opportunities for fun with family and friends. If you have ever thought about buying a new or used pontoon, now may be the right time. 

We can help you find the financing you need for your purchase. At My Financing USA, we connect you to lenders, giving you the best choices for pontoon boat loans. Whether you have good, bad or average credit, we can help you find a lender that offers favorable terms. 

We offer pontoon boat financing to people in the 48 contiguous states. Our customers appreciate our easy and secure online application process, including: 

  • Submitting information via our DigiCert Norton VeriSign Secured website, which keeps you protected. 
  • A straightforward online application that takes just five minutes to complete. 
  • The ability to sign closing documents on your phone with DocuSign. 

Choose the Best Pontoon Boat Financing for You

We use a secure application process to keep your financial information safe. After you fill out the application, we reach out to you for a quick discussion. Our representatives will cover your goals and discuss what you can expect based on your information. 

Then we send your name to lenders, and we get approval right away in many cases. Our team only submits your name to one lender at a time to limit the inquiries on your credit and protect your rating. When you apply for a loan through a dealership, you're at a disadvantage. The dealer knows you have to buy directly through them, so you lose the opportunity to look elsewhere. When you secure financing through My Financing USA, you have choices. You can purchase through a dealer, or you can buy through a private owner at a marina. We open up the selection process. Our team can even pre-qualify you so that you know what type of budget you're working with. 

Boat Loan Rates & Terms - My Financing USA

We also provide more financing options. When you go through a dealer, they know the amount you have received approval for, and they can inch up their pricing to meet that amount. When you get pre-qualification through us, the dealer may be more likely to make a deal. 

Our services also provide flexibility. We source loans from lenders all over the country to give you the best selection, allowing you to find a loan with favorable rates and terms. You control your choice. 

The Benefits of Choosing My Financing USA for Pontoon Boat Loans

Our customers appreciate our dedication to outstanding service, and we have an A+ rating from the Better Business Bureau. 

We also serve people with poor credit ratings. Our team understands that circumstances can change, and we want to get you the best opportunities regardless of your credit history. You may qualify for a loan even if you have a past bankruptcy or a few late payments. We believe everyone deserves the chance to buy a pontoon boat and fulfill their dreams of watercraft ownership. 

Fill Out an Application for Used or New Pontoon Boat Financing Today

It only takes five minutes to submit your application for pontoon boat financing. Fill out an application now, and contact us if you have any questions about My Financing USA's 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


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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.

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