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Top 10 Boat Financing Lenders - How To Pay For Your Dreamboat


When buying a boat, there are several factors which one needs to take into consideration. First and foremost it is important to decide on the type of boat you want to buy. There are very many types of boats available and they all come with different price tags. Once you have narrowed down on the type of boat you want it is then imperative to do some research on the available brands within your category of choice and get to know how much they are going for. After identifying the boat you want and knowing its price you need to come up with a plan or budget on how you are going to buy or pay for it. If you are using boat financing lenders then it is advisable to make contact with them at this point.

If you are buying the boat from a private party, it is important to fill out a bill of sale from your state boat titling and registration institution. If you are buying a new boat you must secure the MSO (manufacturers Statement of Origin) from the dealership so as to take legal ownership of the boat. Before you secure the delivery of the boat it is important for you to inspect the boat before delivery, this is especially so if you had requested for a custom boat.

Because most people prefer buying boats by using boat financing lenders, here is a brief list of some of the most popular lenders and their rates in no particular order. These include:

1) Boat U.S

Mailing Address: 880 South Pickett Street, Alexandria, VA 22304  

Phone Numbers: 1-800-395-2628

Web Address: www.boatus.com

Types Of Loans: The company does not offer Prepayment penalty loans. The loan rates for boats that are older than 20 model years are charged 1% higher than what other boats are charged. For loans between $25,000- $ 53500 they charge an APR of 6.5% for up to 15 years. For loans ranging between $53,501 and $74,999 they charge an APR of 4.87% for up to 15 years. Loans ranging between $75,000 and $349,999 they charge an APR of 4.62% for up to 20 years. Loans above $350,000 are charged 4.75% for up to 20 years.



2) Eboatloans Inc

Mailing Address: 9655 South Dixie Highway, Suite 106, Miami, FL 33156  

Phone Numbers: 1-877-435-3633 or 954-847-1500

Web Address: www.eboatloans.com

Types Of Loans: The company offers yacht financing, boat refinancing, RV loans and Boat loans. For loans between $25,000- $ 49,999 they charge an APR of between 5.99 and 6.74%. For loans ranging between $50,000 and $ 74,999 they charge an APR of 4.24 and 5.62%. Loans ranging between $75,000 and $99,999 they charge an APR of 4.24 and 5.50 %. Loans above $ 100,000 are charged 3.99 and 4.99%.



3) American Boating Association

Mailing Address: P.O Box 690, New Market, MD 21774  

Phone Numbers: 614-497-4088

Web Address: www.americanboating.org  

Types Of Loans: The company offers Boat financing, boat refinancing, boat insurance, boat extended warranty and RV financing. All its loans start from $25,000. For a quote, visit their website or call 866-639-2627 extension 14592 for a personalized boat loan quote. Their offices are opened between 8.00am and 6.00pm EST.

4) NBOA Marine Insurance

Mailing Address: 440 N. Tamiami Trail, Sarasota, FL 34234-3864  

Phone Numbers: 800-248-3512 or 941-360-6777

Web Address: www.nboat.com

Types Of Loans: For loans between $10,000 and $14,999 they charge an APR of 7.99 to 8.75% for up to 144 months. From $15,000 – $24,999 they charge an APR of 6.99 to 7.75 % for up to 144 months. For $25,000- $ 49,999 they charge an APR of 4.19 to 4.85 % for up to 180 months. For loans ranging between $50,500 and $74,999 they charge an APR of 3.79 to 4.62% for up to 240 months. Loans ranging between $75,000 and $99,999 they charge an APR of 3.79 to 4.35% for up to 240 months. Loans ranging between $100,000 and $149,999 they charge an APR of 3.79 to 4.35% for up to 240 months. Loans ranging between $150,000 and $249,999 they charge an APR of 3.79 to 4.35% for up to 240 months. Loans ranging between $250,000 and $350,000 they charge an APR of 3.79 to 5.99% for up to 360 months. Loans ranging between $350,001 and $499,999 they charge an APR of 3.79 to 5.99% for up to 360 months. Loans ranging between $500,000 and $1,999,999 they charge an APR of 3.79 to 5.99% for up to 240 months. Any loan above $2,000,000, give them a call and someone will be ready to assist you.



5) Boat Banker

Phone Numbers: 619-224-4466

Web Address: www.boatbanker.com

Types Of Loans: The company offers RV loans, boat loans, Airplane Loans and Manufactured Home Loans. They have fixed rate boat loans which are quite low.

Loans between $15,000 - $ 24,999 they charge an APR of 6.99 % for a maximum of 12 years. For loans ranging between $25,000 and $ 49,999 they charge an APR of 5.50% for a maximum period of 15 years. Loans ranging between $50,000 and $99,999 they charge an APR of 4.50 % for a maximum period of 15 years. Loans above $100,000 are charged an APR of 4.24% for a maximum period of 20 years.

6) All Roads Capital

Mailing Address: 12800 Leonard Parkway North Jackson, OH 44451

Phone Numbers: 800-619-4104

Web Address: www.allroadscapital.com

Types Of Loans: The company offers RV loans, boat and marine loans, and Horse trailer loans amongst a host of other services. The company generally offers financing for all types of boats from powerboats to even multi hull boats. They offer competitive rates for a maximum of 20 years.



7) Annapolis Boat Sales LLC

Mailing Address: 1629 Postal Road, Chester, Maryland 21619

Phone Numbers: 410-604-6962

Web Address: www.annapolispowerboats.com

Types Of Loans: The company offers RV loans, boat and marine loans, and Horse trailer loans amongst a host of other services. The company generally offers financing for all types of boats from powerboats to even multi hull boats. They offer competitive rates for a maximum of 20 years.



8) Best Rate Financial Services

Phone Numbers: 888-998-8003

Web Address: www.bestrate-boatloans.com

Types Of Loans: The company offers RV loans, boat financing and boat loans. Their financing programs feature no prepayment penalties or points. Loans of over $100,000 are offered with favorable terms for periods not exceeding 20 years. Loans from $25,000 to $99,999 the periods don’t exceed 15 years. It is worth noting that the company only deals with loan values of above $25,000. Credit scores should be above 700 and a 10% down payment is expected.

9) Sea Dream Inc Finance & Insurance

Mailing Address: 1599 superior Ave. Ste A4, Costa Mesa, CA 92627  

Phone Numbers: 1-866-460-0170

Web Address: www.seadreaminc.com

Types Of Loans: the company offers simple interest, fixed rate and no pre-payment financing programs. It also offers deferred first payment programs, zero down payment programs and stated income programs amongst others. The company only services loans above $10,000.


10) Essex Credit

Mailing Address: 12677 Alcosta Boulevard, Suite 400, San Ramon, CA 94583  

Phone Numbers: 866-ESSEX-4-U or 866-377-3948

Web Address: www.essexcredit.com

Types Of Loans: For loans between $10,000 and $14,999 they charge an APR of 7.99 to 8.75% for up to 144 months. From $15,000 – $24,999 they charge an APR of 6.99 to 7.75 % for up to 144 months. For $25,000- $ 49,999 they charge an APR of 4.19 to 4.85 % for up to 180 months. For loans ranging between $50,500 and $74,999 they charge an APR of 3.79 to 4.62% for up to 240 months. Loans ranging between $75,000 and $99,999 they charge an APR of 3.79 to 4.35% for up to 240 months. Loans ranging between $100,000 and $149,999 they charge an APR of 3.79 to 4.35% for up to 240 months. Loans ranging between $150,000 and $249,999 they charge an APR of 3.79 to 4.35% for up to 240 months. Loans ranging between $250,000 and $350,000 they charge an APR of 3.79 to 5.99% for up to 360 months. Loans ranging between $350,001 and $499,999 they charge an APR of 3.79 to 5.99% for up to 360 months. Loans ranging between $500,000 and $1,999,999 they charge an APR of 3.79 to 5.99% for up to 240 months. Any loan above $2,000,000, give them a call and someone will be ready to assist you.

 


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