South 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.

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 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. 

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 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


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
  • No Park Models, Toterhomes or Schoolies
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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