Used Boat Loans

Used Boat Loans

We search nationwide for the best boat financing programs.

Trustpilot 5 stars


We search nationwide for the best boat loan rates and terms for you. Even if you have past credit problems.


Sign and submit your documents right from your smart phone and we can have your application funded in as little as 48 hours!


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.

Is price the only factor preventing you from buying a boat? A used model could be a great alternative to purchasing a new one. When you invest in a used boat, you enjoy the thrill of navigating the open waters and traveling where you want, when you want, every day. A used boat offers just as much freedom as a new one at a much lower price, so it may be the best way for you to get a boat.

We can help you find boat loans for used boats. At My Financing USA, we work with people just like you who want to experience the joys of boat ownership. You can buy a boat without being wealthy or having a perfect credit rating when you secure the best loan for your needs. Our team can match you with a lender who offers terms and rates you can afford. Imagine your first ride as a proud new boat owner — it's a moment you deserve. 

Our services identify the best-used boat loan programs for your financial health and put you in control. When you apply with My Financing USA, our expert loan team will search the nation for the best-used boat loan offers to meet your needs, and you can decide which one you like best. Our options often produce better rates than dealerships or personal loan companies. We have services available across the 48 contiguous states and Alaska. 

Getting a Loan for a Used Boat Is Easy, Fast and Secure

Our entire process takes place online, giving you the convenience you desire. You can do everything from filling out your application to signing your closing documents without making appointments or traveling to an office. Our customers appreciate the ease of completing the process on smartphones. We use Norton VeriSign Secured, the most trusted name in online security, to protect your information. 

We Find the Best Boat Loans for Used Boats Regardless of Your Credit

You can get a loan even if you have a low credit score. We make sure the lenders that receive your information run minimal credit inquiries by submitting your application only to lenders that match your needs.

Connect With the Used Boat Loan Companies

You can trust My Financing USA to connect you with the right loan. We have received an A+ rating from the Better Business Bureau. We have a long, stable history, with more than 15 years in business. In that time, we have assisted over 300,000 customers and counting. Other advantages of working with us include: 

  • Competitive rates and terms. 
  • Friendly, personalized advice given by real people. 
  • Our easy-to-use customer interface. 

We make the process of applying for a used boat loan quick and smooth, and you could be behind the wheel of your new boat before you know it. 

Apply for Used Boat Loans Today

If you're thinking about getting a loan for a used boat, take a few minutes to fill out our online application. You can also contact us to learn more if you have 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.

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