Texas 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.

If you live in Texas, you know how many incredible places you can go fishing or boating. From beautiful reservoirs to gigantic lakes, the region has some of the best waterfront scenery, which offers a lovely way to explore your surroundings. In addition, buying a boat can open up new opportunities for you and your family. 

Are you financing a boat in Texas? My Financing USA can help. We connect people to lenders, looking for the best programs that provide the most favorable conditions. You can choose the right one for you. Plus, our team can assist you, even if you have bad credit. We have a credit repair program that can help you earn approval following multiple rejections. 

Boat Financing in TX With My Financing USA 

We find boat loans for people throughout Texas, including: 

  • Houston
  • Austin
  • Seguin
  • Dallas

How Long Can You Finance a Boat in Texas? 

Our team identifies options from reputable lenders that offer favorable terms, such as:

  • Payback periods between five years and 20 years.
  • No pre-payment penalties.
  • The freedom to pay off your loan as fast as you want to, on a schedule that works for you. 

Your terms will depend on several considerations, including the amount you borrow and your credit.

Enjoy a Fast and Easy Application Process

When you work with us, every step of our process takes place online. Doing everything over the internet simplifies financing, and you can work with us on your schedule. You'll also appreciate the fast and secure application, which protects your information using our DigiCert Norton VeriSign Secured website.

Apply for Bad Credit Boat Loans in Texas 

You can get boat loans with bad credit when you apply through My Financing USA. We connect you with lenders that approve applications from people who have had previous bankruptcies or made late payments. Our team has worked with many people with low scores who wanted to rebuild their credit to show they can repay debts. Buying a boat offers an opportunity to show your creditworthiness when you make consistent payments for the life of the loan. 

My Financing USA Boat Loans

Why Choose My Financing USA for New or Used Boat Financing? 

Working with the expert team at My Financing USA has several advantages. We want to see you achieve your dream of owning a boat and cruising through the Texas waterways. You can receive the flexibility you desire and use the loans we find to buy from anywhere, including dealers and private owners. Other benefits of choosing us include: 

  • Credit protection: We reduce credit inquiries to protect your score. 
  • Choice: You can decide which loan option to take. 
  • Outstanding conditions: We find lenders offering the best terms.

Fill Out an Online Application for the Best Boat Loans in Texas

Whether you're buying a new or used boat, you want the best loans for your purchase. Fill out our online application today — it'll only take five minutes. You can also contact our helpful team with any questions about My Financing USA and our services. 

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!