Florida Boat Loans


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

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.

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.

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. 

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 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



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.

30 Day Rate Guarantee

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

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