North Carolina 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.

North Carolina is an excellent place to go boating. With mild weather year-round, you have almost countless days to hit the water, so you can fish, waterski or enjoy watching the scenery float by. If you've ever thought about purchasing a boat, now is the time to do it. You can find excellent terms for NC boat loans when you go through My Financing USA. 

Our services identify the lowest rates and most flexible terms available to North Carolina residents. My Financing USA is one of the nation's leaders in boat loans. Are you concerned that boat ownership is out of your reach financially? Anyone can buy a boat. Since 2003, we've worked with many people just like you to find the most favorable loan options.

Our team can get you the money for your boat in just a few days. The first step is filling out our online application, which gets you well on your way to buying your boat. 

My Financing USA Finds Outstanding Terms and Rates

You want the most flexibility and the lowest rates when you apply for a boat loan. My Financing USA can deliver. We match you with lenders that offer low rates dealers are unable to offer. In addition, you can get terms between five years and 20 years and pay off your loan early without penalties. 

Enjoy Our Easy and SecWhy Work With My Financing USA?  

We offer a simple, straightforward process. From applying to signing your closing documents, you can complete everything online. When you finance through us, you have the option of purchasing from a dealer or a private marina. This freedom gives you more flexibility than a dealer's terms. We find the best programs and lay them out for you. Other benefits of working with us include: 

• Pre-qualification for boat loans. 
• Our DigiCert Secured website protects your information. 
• We provide credit protection by reducing inquiries on your credit. 

Where Can You Get Boat Financing in North Carolina? 

We secure financing for residents across the state, including in: 

  • Wilmington
  • Raleigh
  • Durham
  • Charlotte
  • Greensboro

Get Boat Financing With Bad Credit in NC

You can get boat loans through My Financing USA, even if you have bad credit. Do you have a credit score of 550 or above? If so, you may qualify for one of our lenders' programs. They consider people who have: 

  • Debt ratios below 40%. 
  • Past bankruptcies. 
  • Past late payments or collections. 

Apply Online Today

It only takes five minutes to apply for new or used boat loans in NC when you work with My Financing USA. Do you have time to spare? Complete our application today or contact us with questions about our process. 

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
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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