Boat Loan Rates

The boat loan interest rates listed throughout our website are the best loan rates provided by our lending programs. Rates may differ based on a customer’s credit, income, loan collateral, state of residence, and other variables determined by each lending program. If you aren’t sure what your credit score is you can get a copy of your credit report here

Current Boat Loan Rates

STANDARD RATES
AMOUNT FINANCED RATES AS LOW AS TERM
$10,000 – $24,999 5.99% 60 – 120 MONTHS
$25,000 – $49,999 5.49% 60 – 180 MONTHS
$50,000 – $74,999 4.75% 60 – 180 MONTHS
$75,000 – $149,999 4.49% 60 – 240 MONTHS*
$150,000 – $349,999 3.99% 60 – 240 MONTHS
$350,000 – $1,999,999 3.99% 60 – 240 MONTHS
$2,000,000 CALL CALL
CHALLENGED CREDIT RATES
AMOUNT FINANCED RATES AS LOW AS TERM
$10,000 – $19,999 9.95% – 17.95% 60 – 120 MONTHS
$20,000 – $50,000 9.95% – 17.95% 60 – 144 MONTHS
$50,001 – $75,000 7.95% – 17.95% 60 – 180 MONTHS

*240 month terms are only available on loans $100,000+

Current Boat Loan Rates Start At :
3.99%
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SeaDream Loans

With our nationwide network of lending partners we have the financial flexibility to offer you the best solution for your individual needs. Unlike many other lenders we don’t force our clients into non-standard boat loan structures that work great for the bank but not necessarily for you.

We want to ensure that we don’t mislead our customers with the boat loan interest rates listed on our website. Every customer is unique and no single rate will apply to every credit situation and purchase transaction. Please note that interest rates and loan program parameters are subject to change with notice. 

It is our goal to match each of our customers with a loan program that provides the best available rate and loan term. Our staff will work tirelessly to earn your business and provide you clear and concise information to meet your requirements. For more information on our loan packages please contact us at 949-515-0055 or apply for a loan or pre-qualification here. 

Frequently Asked Questions

How long are boat loans usually?

For bad credit loans the maximum term length is typically 15 years. For those with excellent credit you can get terms up to 20 years.

How much do I need to put down on a boat loan?

To qualify for a boat loan with bad credit you need to put down a minimum of 10% and the boat must be less than 15 years old.

What is the minimum credit score for a boat loan?

Although it is sometimes possible to qualify for a boat loan with FICO credit scores in the 500s, generally you will need 600+ along with a low debt to income ratio to qualify.


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