Used Boat Financing

USED 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.

A new boat may seem out of reach for your financial situation, but you can still pursue your dream of getting out on the water for various activities. Have you considered purchasing a used boat? You can find used boats in excellent condition, and many of these models last for years. They cost less than a new boat, and you still gain most of the same benefits when you buy used. Just imagine the thrill of taking your family fishing, water skiing or cruising on the lake. 

My Financing USA can help you find used pontoon boat financing options. We collect your financial information and submit it to lenders to find you the best terms and conditions for a loan. You receive the flexibility you lack if you finance through a dealership, which only offers a single option for your loan. With our loan options, you can even buy your used boat from a private seller, allowing you further control of your purchase. 

We work with people from across the 48 contiguous states. Our reliable and responsive team has earned an A+ rating from the Better Business Bureau, reflecting our trustworthiness. You'll appreciate our attention to detail and eagerness to answer all your questions. Let us help you buy a used boat. 

Our Used Boat Loan Financing Application Takes Five Minutes to Complete

We use a secure application process to keep your financial information safe. After you fill out the application, we send your application to lenders, and we get approval right away in many cases. Our team only submits your application to lenders that match your needs to limit the inquiries on your credit and protect your rating. 

We Are the Best Place to Finance a Used Boat if You Have Bad Credit

If you have a low credit score and receive several rejections, we continue to work with you. We've helped many people with poor credit ratings get a used boat loan. 

We Offer the Best Online Options for Used Boat Financing

My Financing USA gives you the choices and control you desire during the financing process. You can get lower interest rates and more favorable terms than you would when applying for a personal loan. Our team is friendly and easy to work with. Other benefits of using our services include: 

  • Signing your closing documents at your convenience and on your phone. 
  • Using our DigiCert Secured website to submit your application. 
  • Receiving pre-qualification for your loan and shopping with a budget in mind.

Fill Out an Application Today

The best way to finance a used boat is to let My Financing USA connect you with the right lender. Fill out an application today — it just takes five minutes — or reach out to our team to learn more about our financing options. 

Our Process Is Easy


Apply Online

Use our DigiCert Secured website to submit your information.


We Find Your Match

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


Sign & Sail!

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

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

  • 550 Minimum Score
  • Terms Up To 20 Years
  • $10k Minimum Loan Amount
  • 10-15% Down Preferred
  • Rates Between 6.49% and 19.95%
  • Private Party Purchases OK
  • Dealer Purchases OK
  • Some Collections OK
  • Some Late Payments OK
  • Past Bankruptcy OK
  • Co-Signers OK
  • Recreational Use Only
  • No Full Timers
Your Next Adventure Starts Here

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.

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