Good 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.


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.


Sign and submit your documents right from your smart phone and we can have your application funded in as little as 48 hours!

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. 

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 New and Used Boat Loans for People With Excellent Credit

For more than 15 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 team offers pre-qualification for loans, so you can estimate your budget while you shop. 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. 

Apply Today and Set Sail Soon

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

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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We love our customers...

Because customers like you keep referring friends and family, we keep growing!


Years In Business


Team Members



Over $12 Billion

In Applications

Loan Programs For All Credit Types

  • Rates Between 7.24% and 19.95%
  • Terms Up To 20 Years
  • 550 Minimum Score
  • $10k Minimum Loan Amount
  • 2011 or Newer Models (Older case by case)
  • 10-15% Down Preferred
  • Private Party Purchases OK
  • Dealer Purchases OK
  • Some Collections OK
  • Some Late Payments OK
  • Past Bankruptcy OK
  • Co-Signers OK
  • Recreational Use Only

A Company You Can Trust

National Marine Lenders Association

NMLA Member

We are a contributing and accredited member of the NMLA.

Norton VeriSign Secured

Norton VeriSign Secured

Our online application is secured with the most trusted name in online security.

Better Business Bureau A+ Logo

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?
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