Boat Loan Application


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.

Our process is 100% online.

The simplest way to apply for a boat loan is to do it online. You can fill out My Financing USA's application, which requires answers to a few basic questions, in just a few minutes. As soon as you turn in the application, we begin the process that could lead you to your new boat. 

How to Apply for a Boat Loan Online

Complete our online boat loan credit application at your convenience. Because the application is available on our secure website, you can complete it whenever it fits into your schedule. It usually takes 48 to 72 hours for our team to review your application and follow up. You will speak with an actual person who examines your application and discusses your expectations to identify goals for the process. 

Why Work With My Financing USA? 

Our company has been in business for more than 15 years and has received many outstanding reviews from our customers. What does that mean for you? Enjoy significant advantages when you choose us over other companies that connect you with boat financing options. We offer: 

  • Fast approvals: Many of our customers buy their new or used boats within 72 hours of submitting their application. 
  • Easy closing: Complete the process without leaving the house when you use DocuSign to sign your documents on your phone.
  • Outstanding terms: We find low rates, searching nationwide to connect you with lenders who offer the most favorable conditions. 

Have a Low Credit Score? You Can Still Get a Loan

Are you concerned about receiving approval for your boat loan because your credit score is low? My Financing USA works with people with good and bad credit. Even if your application is denied, we can work with you to repair your rating and keep trying to get your loan. 

The Application Only Takes Five Minutes

You can feel confident about applying for boat loans online with My Financing USA. Our DigiCert Norton VeriSign Secured website protects all the information you submit. 

Get your new boat as soon as possible and fill out our boat loan application online now. Then, if you have any questions, get in touch with us today. 

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
  • No Park Models, Toterhomes or Schoolies
Your Next Adventure Starts Here

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.