Boat Financing Rates & Calculator

Boat Loan Rates
& Calculator

We search nationwide for the best boat loan rates.

Only The Best Boat Loan Service

Whether you've already found a new boat or you're still looking for the right vessel, we can help you find the best boat loan rates and terms available. After you identify current boat loan interest rates, you can use a boat finance calculator to figure out what your costs may be.
If you are interested in information about boat financing interest rates and learning how to calculate your potential monthly payment, we'll help you understand the process. See how much you can afford with our free online boat loan payment calculator.

Boat Rates & Payments

Choose Your Credit Score

$10,000
as low as

$117

MONTHLY 7.24% (120mo)

$25,000
as low as

$224

MONTHLY 6.99% (180mo)

$50,000
as low as

$379

MONTHLY 6.49% (240mo)

$10,000
as low as

$141

MONTHLY 11.69% (120mo)

$25,000
as low as

$326

MONTHLY 11.89% (144mo)

$50,000
as low as

$602

MONTHLY 12.09% (180mo)

$10,000
as low as

$167

MONTHLY 15.95% (120mo)

$25,000
as low as

$391

MONTHLY 15.95% (144mo)

$50,000
as low as

$733

MONTHLY 15.95% (180mo)

$10,000
as low as

$179

MONTHLY 17.75% (120mo)

$25,000
as low as

$421

MONTHLY 17.75% (144mo)

$50,000
as low as

$803

MONTHLY 17.95% (180mo)

What is a good interest rate for an boat loan? Our current rates for boat loans range from Rates Between 6.49% and 19.95% based on several factors, such as the amount you're financing, the type of boat, the age of the boat, your location, your credit score and your credit history. The rates we offer are fixed APRs, which means your interest rate won't change due to index variables throughout the loan period. As a result, you don't have to worry about fluctuating interest rates that could make you pay more over time.

Use Our Boat Loan Calculator

Use our online boat loan calculators to calculate your monthly boat loan and payment. These tools will help you determine what monthly payment you may be able to afford when you are looking to finance a used or new boat. 

To use our boat loan rates calculators, enter your chosen amount, estimated loan term and estimated interest rate. After you enter the information, our boat financing rates calculator will compute an estimate of your monthly payment. Plug this number into your monthly budget to determine whether this payment may work for you. If not, continue experimenting with rates and terms to find the payment that fits your budget.

Payment Calculator

Amount to borrow:
Rate:
Term (Years):

Estimated Payment:
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Apply Online
Use our DigiCert Norton VeriSign Secured website to submit your information

Get a 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

Apply for Financing Online

It's time to have fun and do something for yourself. At My Financing USA, we offer boat financing, RV financing and motorhome financing, along with extended warranties, service contracts, tire coverage, gap waivers and wheel coverage. Our process is simple:

1. Apply online: Use our Norton Secured website to submit your information safely.
2. Find your loan: Next, we will verify your details to help match you with the best boat loan program for you.
3. Sign and hit the water: Finally, you will sign the closing documents, which you can do conveniently on your phone. After you sign, you can pick up your boat and hit the water!

Frequently Asked Questions:

Additional Readings:

Guide to Financing a Boat

Guide to Financing a Boat

If you are a first-time boat buyer, you likely will need to get financing for your new or used boat. This guide covers how to secure financing for a boat, regardless of your credit situation or the boat you choose to purchase.

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white boat boating through the water

How Hard Is It to Finance a Boat?

Many people wonder if it is hard to finance a boat and easy to get boat financing. The answer depends on many variables, and My Financing USA can help you through the different options. Learn more!

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Anchored boat in the middle of water

How Long to Finance a Boat

Before purchasing your boat, it's beneficial to know how many years boat financing is and how much you can expect to spend over the term of your loan. Here's our guide on boat financing to help!

Read More