Good Credit Boat Loans


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

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.

Buying a boat offers you passage to a new lifestyle. You can go out on the water whenever you want to, experiencing the freedom of a quick jaunt on the lake or the leisure of a long cruise. A boat will redefine the way you spend your recreational time. Go fishing, take your kids swimming, learn to waterski or take up birdwatching from the boat. You will never get bored when you have your boat for entertainment

If you want to buy a boat, you need an expert team that helps you find the best boat loans. My Financing USA finds lenders that offer outstanding boat loans for people with excellent credit. We source from multiple lenders, allowing you greater control of the loan process. You can decide which terms and rates are the most favorable for your needs and goals. That freedom is an opportunity that financing through dealerships and personal loans cannot offer you, and it can save you from paying higher rates. 

We work with people with good credit. You deserve to enjoy the things that come with having a high credit score, and finding the best boat loan is one of those things. Pick My Financing USA, and you could have the money to buy the boat much faster than you think. We provide a secure application process and serve all 48 contiguous states and Alaska. 

What Is Good Credit for a Boat Loan? 

Are you unsure whether your credit qualifies as "good" or even "excellent?" Here are some considerations that determine those labels: 

• No recent late payments
• No past bankruptcies
• A minimum score of 680
• Debt ratio below 45%

You worked hard to reach and maintain a high credit score. Apply for a boat loan and get the reward you deserve for your excellent results. 

We Find the Best Boat Loans for People With Excellent Credit

For more than 20 years, we have provided boat loans to people with good credit who apply through our website. In fact, our entire process takes place online, making it more convenient for busy people. You can fill out your application online and even do the closing that way with DocuSign.

My Financing USA has earned an excellent reputation among our customers and others in the industry. We maintain an A+ rating from the Better Business Bureau. What's more, our customer reviews highlight our exceptional attention to detail and our dedication to simplifying the process of finding the right loan. 

Our lenders have the best rates and terms, and you enjoy greater flexibility than you would find with a loan through a dealership or a personal loan. 

Boat Rates & Payments

Choose Your Credit Score

as low as


MONTHLY 7.24% (120mo)

as low as


MONTHLY 6.99% (180mo)

as low as


MONTHLY 6.49% (240mo)

as low as


MONTHLY 11.69% (120mo)

as low as


MONTHLY 11.89% (144mo)

as low as


MONTHLY 12.09% (180mo)

as low as


MONTHLY 15.95% (120mo)

as low as


MONTHLY 15.95% (144mo)

as low as


MONTHLY 15.95% (180mo)

as low as


MONTHLY 17.75% (120mo)

as low as


MONTHLY 17.75% (144mo)

as low as


MONTHLY 17.95% (180mo)

What is a good interest rate for an boat loan? Our current rates for boat loans range from Rates Between 6.49% and 19.95% based on several factors, such as the amount you're financing, the type of boat, the age of the boat, your location, your credit score and your credit history. The rates we offer are fixed APRs, which means your interest rate won't change due to index variables throughout the loan period. As a result, you don't have to worry about fluctuating interest rates that could make you pay more over time.

Apply Today and Set Sail

If you have good or excellent credit, fill out our online application today. It only takes five minutes to submit your information through our DigiCert Norton VeriSign Secured website. Submit your application online, then contact us if you have any additional 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.

Additional Readings:

What Is the Difference Between Hard and Soft Credit Checks?
rv camping in pink skies
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