Washington 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.

See your home state from a new vantage point when you ride in a boat. The Pacific Ocean borders Washington, which also has many beautiful lakes and winding rivers to explore. Imagine fishing for hours on your boat or steering while your family waterskis. Going out on the water for the day can soothe any tension you feel and help you relax. It's the perfect antidote to busy everyday life. 

Can you buy a boat? Yes, you can when you work with My Financing USA. We find flexible financing options that include great rates and terms, so you can enjoy more choices when you finance through us. When you need boat loans in Washington state, you can turn to My Financing USA.

Our team sends your names to lenders, and you can pick the program that best meets your needs. Boat financing in Washington is even available for applicants with low credit scores.

Boat Financing for People With Bad Credit in Washington State

You can achieve boat ownership, even with an imperfect credit history. Many of our lenders approve applicants that can prove that they are a reasonable risk. To keep your financial health as stable as possible, we prevent further harm by limiting hard inquiries.

Outstanding Boat Loan Terms

Whether you're looking for a term of five years or a payment period up to 20 years, My Financing USA can help you find it. The length of your loan depends on how much you borrow. Plus, many of our lenders charge no penalty for paying off your loan early, providing you with the flexibility you desire. 

Why Work With My Financing USA? 

My Financing USA has been in business since 2003, and we've assisted hundreds of thousands of customers with securing financing for large purchases. Our clients appreciate our transparency and our positive attitude throughout the financing process. 

You receive outstanding flexibility when you finance through us. If you work with a dealer, you can only buy at that dealership, limiting your choices. By financing through our team, you can purchase your boat anywhere, including from a dealership or a private owner at a marina. You can also get pre-qualification, so you'll know how much money you have available to spend. 

Other benefits of working with us include: 

  • A fast and secure application process using our DigiCert Secured website. 
  • Reduced credit inquiries to protect your score. 
  • Responses within 48 to 72 hours of your application.

Fill Out an Application for Boat Financing Today

We can connect you with the best boat loans in Washington state and surrounding areas. See why so many customers have left us five-star reviews and say they would work with us again when you take five minutes to fill out our online application. Do you have questions? Contact us to speak with an experienced team member.

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!

Additional Readings:

Best Places to Go Boating  

We've compiled a list of the best boating lakes in the United States to help plan your future nautical expeditions. We'll show you where to go boating within your region or state, as well as dream locations for your next extended boating vacation. Check out our list of the best places to go boating!

Read More
10 Best Boating Activities

Best Boating Activities

Whether you're taking a scenic solo trip, treating the family to a lakeside vacation or relaxing on a romantic getaway, here are the best games to play on a boat and the most popular boating activities to make your next boating adventure unforgettable. With our inspiration, you'll never be bored at sea!

Read More

Boat Safety Tips

You can never be too prepared, especially when it comes to sailing on the high seas. While you may not be planning an international adventure across oceans, basic boating safety tips can be valuable even when you're barbequing on the dock. That's why we've created an in-depth guide of all the ways to stay safe...

Read More