Michigan Boat Loans

MICHIGAN 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.



PROTECT
YOUR CREDIT

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.

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. We apply to lenders one at a time to protect your credit score from excessive hard inquiries. 

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. 
 

My Financing USA Boat Loans

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 Norton VeriSign 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

1

Apply Online

Use our DigiCert Norton VeriSign Secured website to submit your information.

2

We Find Your Match

We verify your information and match you with the right nationwide boat loan program.

3

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!

17

Years In Business

41

Team Members

343,503

Customers

$9,479,506,969

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

$10,000
as low as

$119

Monthly
7.90%

$25,000
as low as

$215

Monthly
7.90%

$50,000
as low as

$474

Monthly
7.90%


Scores 630 - 649

$10,000
as low as

$155

Monthly
13.99%

$25,000
as low as

$287

Monthly
13.99%

$50,000
as low as

$655

Monthly
13.99%


Scores 550 - 629

$10,000
as low as

$180

Monthly
17.95%

$25,000
as low as

$339

Monthly
17.95%

$50,000
as low as

$803

Monthly
17.95%

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!