Average Credit Boat Loans


We search nationwide for the best boat financing rates and terms.

My Financing USA Rated Excellent on TrustPilot
My Financing USA Rated Excellent on TrustPilot  Excellent


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!

Does your credit score fall somewhere between good and bad? Like a solid C on a report card, an average credit rating may show that you've fallen behind in the past, but you've also worked hard to boost your score. Is it time to reward yourself for that effort?

We think so, which is why we offer boat loans for people with average credit ratings. Excellent credit is unnecessary for finding a boat loan with fair terms. As a borrower with average credit, you can find a lender that meets your needs when you secure boat financing through My Financing USA.

Many boat dealers take a traditional approach to lending, so they may submit multiple queries, hurting your credit rating. Fortunately, our team limits our credit inquiries to keep your score safe. We also offer pre-qualification to help you estimate your budget.

Enjoy a Quick, Easy and Secure Loan Process

We conduct the entire financing process online. You fill out your application through our DigiCert Norton VeriSign Secured website, and we handle the rest. When you choose a matching lender and are ready to close, you can sign the documents on your smartphone using DocuSign. Our simple process gets you the choices you want on your preferred timeline.

After you fill out your application, we will get in touch by phone to discuss it. Our representatives will talk about your goals and expectations to get a better idea of what you're looking for. This conversation helps us match you with the loan that works best for your needs and allows us to narrow the number of inquiries we submit. From there, our team can focus on the best lenders for your situation. 

Man in sunglasses sitting in a boat

Find the Most Favorable Terms and Rates

My Financing USA gives you choices. When you apply for average-credit boat loans through dealers, you have no room to negotiate or shop around for better offers. The dealer gives you a rate, and you can either accept it or walk away. My Financing USA lets you make the selection that's best for you. Maybe you want a longer payback term or want a lender that guarantees low rates. Whatever you need, we'll find the options that will benefit you most over the life of the loan. 

The Benefits of Working With My Financing USA

You can trust My Financing USA to look out for your best interests. We work with people across the 48 contiguous states, and the Better Business Bureau gives us an A+ rating. In addition, our site features hundreds of testimonials from happy customers who appreciate the ease of our process and love the way we treat them. Other advantages of working with us include: 

  • An easy-to-use system. 
  • Convenient online document signing for closing. 
  • No fee when you submit your application. 
  • Fast responses in as little as 48 - 72 hours. 

Fill Out a Boat Loans Application Today

If you have an average credit score, you can qualify for a boat loan. Fill out our online application today, and get in touch with us if you have any questions about our process. 

Our Process Is Easy

Our Customers Love Us

My Financing USA Rated Excellent on TrustPilot

Troy Beverly

2 Hours Ago

"My experience was pleasant. Kristy was very helpful and always prompt when it came to answering questions, e-mails and returning calls. She explained everything thoroughly."

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My Financing USA Rated Excellent on TrustPilot

Wendy H.

8 Hours Ago

"Jeff my Loan Officer was helpful and walked me through the entire process. The online approvals and closing on the loan were awesome as well. Thanks!"

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My Financing USA Rated Excellent on TrustPilot

Kalub Maxey

46 Hours Ago

"Best financing experience I have ever had. Brandon went above and beyond and gave me the best customer service experience. I will recommend My Financing USA to anyone needing a loan."

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By The Numbers...


Years In Business


Team Members




Applied For

Good Credit Boat Loan Program Guide

Program Highlights

  • Rates As Low As 5.99%
  • Terms Up To 20 Years
  • Reduced Credit Inquiries
  • Purchase from Private Party or Dealership
  • Free RV Value Checker
  • Expert, Friendly, Loan Officers
  • 24 Hours Approval Timeline
  • Express Funding In 72 Hours

Program Requirements

  • 700 Minimum Score
  • Must Be Above $10k
  • 15% Down Preferred
  • 2011 or Newer Models (Older case by case)
  • 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.

30 Day Rate Guarantee

When it comes to boat Loans, we make it simple. Lock in your rate today for 30 days!

Additional Readings:

What Is the Difference Between Hard and Soft Credit Checks?
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!

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How Does a Credit Inquiry Affect My Score?

How Does A Credit Inquiry Affect My Score?

Having several inquiries can reduce your overall credit score and affect your RV or boat loan approval. Lenders use your credit report to conduct a risk assessment. Inquiries can affect their decision to offer a loan to you.

Read More