Boat Loans

Boat Loans
Good or Bad Credit

We search nationwide for the best boat financing programs.

Trustpilot 5 stars

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Your Adventure Begins Here

At My Financing USA, we know boating is not just a luxury, it is a way of life. That's why our mission has always been to provide the best boat loan programs to customers no matter what their credit score is.

If we can't get you approved on the first try, we will refer you to credit consultation to help you learn how to improve your chances and save more money in the future.

Our Process Is Easy


Apply Online

Use our DigiCert Norton VeriSign 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



Compare Our Boat Loan Programs

Good Credit Boat Financing

  • 670 Minimum Score
  • Rates Between 6.24% and 13.95%
  • Must Be Above $10K
  • 10-15% Down Preferred
  • Private Party Purchases OK
  • Dealer Purchases OK
  • No Bankruptcies
  • No Collections
  • Recreational Use Only

Bad Credit Boat Financing

  • 550 Minimum Score
  • Rates Between 14.74% and 19.95%
  • Must Be Above $10K
  • 10% Down Preferred
  • Private Party Purchases OK
  • Dealer Purchases OK
  • Past Bankruptcy OK
  • Some Collections OK
  • Recreational Use Only

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.

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