North Carolina 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.


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.

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 Norton VeriSign Secured website protects your information. 
• We provide credit protection by reducing inquiries on your credit. 

Man in sunglasses sitting in a boat

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. 

We work with you to minimize the impact on your credit during the approval process. Our team only applies to one lender at a time to reduce hard inquiries. You can also enroll in our credit repair program if multiple lenders reject you. We can help you pinpoint the cause of the rejections and strengthen your credit. 

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 Norton VeriSign 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 & 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!


Years In Business


Team Members




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

as low as



as low as



as low as



Scores 630 - 649

as low as



as low as



as low as



Scores 550 - 629

as low as



as low as



as low as



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!