South Carolina Boat Loans

SOUTH 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.



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.

From Lake Keowee to Lake Marion, South Carolina has some of the nation's most beautiful lakes. Can you imagine yourself enjoying them on a boat during a sun-soaked afternoon? You can enjoy the rays shining down on you while playing your favorite tunes and watching your children's waterski or fish. It's the perfect way to spend the day. 

It's time to take that dream out of your imagination and set sail for real. You can purchase a boat even if you earn a modest income. When you work with My Financing USA, boat ownership is possible. We've worked with hundreds of thousands of people just like you to secure financing. Our team can submit you to the best lenders in the country and find matches quickly. 

Our application process is fast and secure. We have low rates and flexible terms, too. It's time to get out on the water in your state. 

Find Boat Financing Options Across South Carolina

We offer boat loans to clients throughout South Carolina, including residents of: 

  • Charleston
  • Columbia
  • Lexington
  • Lake Wylie

Boat Loans for Various Credit Scores


Whether you have good or bad credit, we can work with you to find the right loan option. Our lenders look for evidence that you can pay back your loan in the future and are less concerned about your past track record.

If you have a minimum credit score of 550 and a debt ratio under 40%, you could qualify for a loan. Our lenders may work with you, even if you've had past bankruptcies or late payments. 

We stick with you even if you receive multiple rejections. If three lenders turn your application down, we'll pause our submissions, consider their reasons and suggest actions you can take to improve your score. Our credit repair program may be the answer. We can help you prove that you're a reasonable risk for lenders. 

Man in sunglasses sitting in a boat

Why Choose My Financing USA for Boat Financing Services? 

People appreciate the flexibility we provide during the loan process. When you work with a dealer, you get locked into their terms. They can offer high rates, and they know you have no choice but to stick with them. When you find a third-party lender through My Financing USA, you get a choice. You could go through the dealer, or you could approach a private owner about their used boat.

Other benefits of working with us include: 

  • Low rates. 
  • Credit protection. 
  • A safe application on our DigiCert Norton VeriSign Secured website. 

Enjoy flexible terms on your South Carolina boat loan. Our lenders offer low rates and terms that fit your needs. How fast do you want to pay off your boat? We can source boat loans with payback periods from five years up to 20 years. Our team can also connect you with a lender that will let you pay off your loan early without charging a penalty.

Complete Our Online Application Today 

Boat financing can be a snap when you work with My Financing USA, and it only takes five minutes to complete our application. You can also reach out with questions

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

327,107

Customers

$9,112,887,357

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
  • 2008 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!