Michigan Boat Loans


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

Trustpilot 5 stars

550 Minimum Score

We have programs for you even if you have past credit issues including past bankruptcies, late payments, or collections.


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.

No Hidden Fees

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

Michigan may be landlocked, but the state hosts 11,000 lakes. Exploring Michigan's lakes is like finding a playground in your backyard. Lakes offer a fantastic opportunity to do things you love, such as fishing or watersports. Now imagine being able to do all that on your own schedule, without the hassle of borrowing or renting a boat. You can do it with the help of My Financing USA. 

We connect people to the right lenders and help them purchase a new or used boat. We offer a safe and secure lending process, always protecting the information you submit and working hard to find the right programs for you. 

When you find Michigan boat financing through us, you enjoy more choices than you'd have if you went to a dealer or applied for a personal loan through a financial institution. Buying through a dealer locks you into finding a boat with that company instead of shopping around. Plus, accepting a loan through a dealership or financial institution can leave you paying higher rates. You deserve more flexibility. 

Finding a lender with My Financing USA, you can pick where you buy your boat. Receive your check from your lender and choose a dealership or private owner with the money you need in hand. Our customers appreciate the ability to find the boat they want instead of getting looped into one option. 

Find the Best Bad Credit Boat Loans in Michigan

Are you concerned that your credit score may bar you from buying a boat? My Financing USA can help you find bad credit boat loans in Michigan and across the 48 contiguous states. Approval is possible, even if your credit rating is less than perfect. If you have a score of 550 or above, you can often find financing.

Get Great Terms on New or Used Boat Loans in Michigan

Since we started our business in 2003, we've perfected our loan application process. Enjoy the convenience of completing an online application and signing your closing documents on your phone. Our virtual process makes everything faster, so we can find matching lenders with excellent loans as soon as possible. 

The Advantages of Financing Through My Financing USA 

We've earned an A+ rating from the Better Business Bureau, which speaks to our transparency and integrity. Plus, you can read five-star ratings from our customers that prove our outstanding commitment to customer service. Other reasons to work with us include: 

  • Reduced credit inquiries and credit protection. 
  • Our secure DigiCert Secured website. 
  • Greater choice in the loan process. 
  • Responses within 72 hours of your application. 

Fill Out an Online Application Today

If you have five minutes to spare, you can fill out your application right now. Our team will get to work identifying matching lenders and get you out on the water quickly. Get started when you fill out an application now or contact us with any questions about our services. 

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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