Florida Boat Loans


We search for the best boat financing programs for all credit types.

550 Minimum Score

We ignore many types of collections, late payments or past bankruptcy including medical and student loan debt.


We reduce inquiries sometimes to zero by pre-qualifying you and only sending you to one matching lender at a time.

No Hidden Fees

None of our lenders charge hidden fee such as pre-payment penalties you'll find on other sites.

Stuck at home? So are we!
Our process is 100% online.

Florida is a great place to explore by water. The state has more than 30,000 lakes, which are perfect for boating and related activities. Whether you want to go fishing or enjoy watersports, Florida has endless options, and you'll love experiencing all your state has to offer from your boat. 

Are you interested in buying a boat in Florida? My Financing USA can help. We've assisted many people like you with securing financing for a new or used boat. See why we have so many satisfied customers who have found the low rates they wanted. 

Boat Financing Available Across the State

We offer boat loans to residents in all parts of Florida, including in: 

  • Tampa
  • Miami
  • Jacksonville
  • St. Petersburg
  • Venice

Why Choose My Financing USA for Boat Financing Services in Florida? 

The advantages of selecting us for finding boat loans include: 

  • Fast responses within 48-72 hours. 
  • Credit protection through limited hard inquiries. 
  • Outstanding customer service. 

Secure and Easy Online Application Process

When you finance through My Financing USA, we do everything virtually. Skip scheduling time out of your busy day to visit a physical location and sign documents or meet with a loan officer. You can do it all from your home or office. Fill out your application online, then talk to an actual person on the phone about your goals for the process. 

We match you up with the best programs and even offer pre-qualification, which gives you an idea of how much money you qualify to borrow. Finally, fill out the closing documents on your phone using DocuSign.

My Financing USA Boat Loans

Bad Credit Boat Financing Options Available

Are you concerned about financing a boat with bad credit? We have you covered. You can find new and used boat loans in Florida regardless of your credit score. We connect people with a 550 minimum rating to lenders. Most people fall short of perfect credit histories, and we understand that you may have the means to pay back a loan today despite past late payments or collections. 

If you continue to receive rejections from lenders, we can help you turn things around. Our credit repair program assists applicants for Florida boat loans by determining why they're getting rejected and how to address the issue. We can continue to submit your name until you find the boat loan you desire. 

How Long Are Your Boat Financing Terms? 

You enjoy flexibility when you receive financing through My Financing USA. Our lenders offer terms ranging from five to 20 years, based on how much you need to take out. We can identify matching lenders that never charge prepayment fees, so you can pay the loan back on your timetable. If you want to pay it off early, you can do so without fear of a penalty. 

Fill Out Your Online Application for New or Used Boat Financing in Florida

It just takes five minutes to fill out our application. We'll help you find the best boat loans in Florida. Apply now or contact us with questions.

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 & Drive!

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


Team Members




In Applications

Boat Loan Payment Estimates

See just how low your payments can be with our bad credit boat financing programs using today's boat loan rates.

Scores 650 - 679

as low as



as low as



as low as



Scores 630 - 649

as low as



as low as



as low as



Scores 550 - 629

as low as



as low as



as low as



All program are subject to credit approval and may change at any time. Not available in all states. Payments shown are real examples of potential payments. Your final payment may be different base on a number of factors including credit factors, age of the collateral, taxes and fees, and your down payment.

Bad Credit Boat Loan Program Guide

Program Highlights

  • Rates As Low As 6.95%
  • Terms Up To 15 Years
  • Reduced Credit Inquiries
  • Buyer Freedom (Buy From Any Seller)
  • Free Boat Value Checker
  • Expert, Friendly, Loan Officers
  • 24 Hours Approval Timeline
  • Express Funding In 72 Hours

Program Requirements

  • 550 Minimum Score
  • Must Be Above $10K
  • 10% Down Preferred
  • 2009 or Newer Models (Older case by case)
  • Recreational Use Only
  • Past Bankruptcy OK
  • Some Collections or Late Payments OK
  • Debt Ratio Under 40%

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!