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.


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.

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. 

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


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 RV loan program.


Sign & Drive!

Sign your closing docs right from your phone then pick up your RV 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
  • No Park Models, Toterhomes or Schoolies
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.

Additional Readings:

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

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