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Boat Financing Made Easy

Experience hassle-free boat loans, tailored to get you on the water sooner. Apply In As Little As 5 Minutes.

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(We will contact you before running credit)

Simple 3-Step Process

Find Your Dream Boat

Start by identifying the boat that fits your lifestyle and budget. Take a moment to review the competitive interest rates we offer to ensure you’re getting a great deal.

Apply For A Loan

Provide us with details about the boat you intend to purchase & information about your financial situation. We’ll then review your application & explore loan programs tailored to your needs.

Get Matched

Once approved, we’ll handle the paperwork and ensure your loan is funded promptly. Our process is designed to move quickly so you can start enjoying your new boat as soon as possible.

Estimate your monthly payments

Use our loan calculator to see what your monthly payment might look like. Adjust the loan amount, term length, and interest rate to find a comfortable fit for your budget. With competitive rates and flexible terms, you’ll have a clear picture of what it takes to finance your dream boat—and the peace of mind to enjoy every voyage.

Get pre-qualified FOR YOUR DREAM BOAT!

Complete our quick pre-qualification form and discover your financing options today!

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Real Journeys to boat ownership

See how others turned their boat ownership dreams into reality with our financing solutions.

Clay

Zach did a great job with my Boat loan. Flawless execution of a purchase from out of state. Thanks again Zach!

Andrew

Zach Edwards did an excellent job assisting me with my boat loan. He was on top of every detail and kept me in the loop throughout the process. I highly recommend him.

Fernando

Great experience. Obtained a desirable loan with no surprises and in a timely fashion.

Derrick

We recently partnered with Zach to secure financing for our 2018 Boston Whaler. He communicated with us daily to let us know next steps for our loan. Zach was able to negotiate terms we were not able to secure anywhere else on our own. He also went to bat several times for us with the lender when they tried to change our terms mid loan. Highly recommend Zach.

David

From start to finish our loan process went very well. They were professional, timely and proactive. There was no bait and switch, everything went as we discussed. Couldn't ask for a better process!

Glen

Absolutely the best communication with Zach, always available for me.

Paul

Thank you Zach thank you for all your help. It's been BF wonderful working with you. Your the man! Thanks Zach

Jake

Thanks for your help Zach glad to be working with you

Timothy

Got them! Thank You for all your work Zack. Sure appreciate

Jake

Zach is extremely knowledgeable for any financing purposes across all marine vessels private/dealer/ brokerage. This gentleman has assisted with over 10 deals and provides the best experience for all my clients. Smooth and easy, smiles all around!

KC

Zach is the Man! Hands down the most professional and persistent in the game.

Ritter

Zach is the go-to destination for boat loans. If you're seeking reliable and streamlined loan options, look no further. He's got you covered!

Hunter

Zach helped my father with all the steps. Took the time to review boats and make sure he got the right deal. Id recommend Zach to friends and family, thank you!

Jorge

Overall just a great experience working with Zach on several boat deals. Highly recommended! Professional and efficient

Hans

Zach is on his game! If you need help with financing he is your guy!

Don

Working with Zack was such a great experience. I know that I drove him crazy bouncing from boat to boat. But He hung in there every step of the way until I found the perfect boat for my Family and I. We closed in just a few days and we were out on the water in our new boat. Thanks again Zack for all of your hard work and making this happen for us.

Kelly

Zach was excellent from the beginning to the end of the transaction. Upfront and knowledgeable, he was friendly and efficient. I would recommend Zach to friends and family without hesitation

Ashton

Zach was amazing to work with. Took almost 6 months to find a boat that would fit my needs. Had multiple complements from the seller about how smooth and fast the process was. And me (buyer) have nothing but great things to say about Zach as well. Any questions/ concerns we answered quickly. Thank you again Zach!!!!

Start Your Own Journey!

frequently asked

Can I refinance my existing boat loan with BoatFi?

Absolutely! We offer refinancing options that could lower your monthly payments or reduce your interest rate. Contact us to discuss how we can help you with refinancing.

What types of boats can I finance with BoatFi?

You can finance a wide range of boats, from small fishing boats to large yachts, both new and used. If you have a specific boat in mind, let us know, and we’ll work to find the best financing solution for you.

Do I need boat insurance before securing a loan?

Yes, insurance is required to close on your boat loan. We can guide you through the process of obtaining boat insurance, ensuring you meet all the necessary requirements.

Are there any eligibility criteria for applying for a boat loan?

Yes, there are a few basic criteria, such as a minimum credit score and age of the boat. However, we pride ourselves on flexibility and will do our best to work with you to find a financing solution that fits your situation.

 

What are the loan terms and interest rates?

Loan terms can extend up to 240 months, with interest rates varying based on the current market and your financial profile. We update our rates regularly to ensure you’re getting the best deal.

How long does the loan approval process take?

We aim for speed and efficiency in our approval process. In many cases, you can receive approval within hours or by the next business day, depending on the loan size and your financial details.

Can I get a loan for a boat if I live outside the continental United States?

Currently, our financing services are available for residents of the 48 contiguous states. Unfortunately, we do not offer loans for residents of Hawaii or Alaska at this time.

Can I Finance A Boat Into A LLC, Corporation, Or Trust?

Yes, we have many loan programs available that are tailored to this purchase. More information is needed to determine eligibility. We are happy to assist on these acquisitions and have great experience in this field.

How can I get in touch with BoatFi for more questions?

You can contact us through our website, via email, or by phone. Our team is here to provide you with personalized assistance and answer any questions you might have.