Used Boat Financing

USED 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.

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 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. 

The RV Life with My Financing USA

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. Our professionals can offer insights to help repair your credit score and resubmit your application down the line. 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 Norton VeriSign 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

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.

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