Why should we finance with MarineMax?1

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Financing Made Simple

Flexible loan options, competitive rates, and expert guidance to help you get on the water faster.

Get Approved in 3 Easy Steps

Apply for a Loan

Apply Online

Complete a quick financing application.

Speak with a Specialist

We'll help you find the best loan options.

Enjoy Your Boat

Finalize paperwork and get on the water.

Financing Calculator

At MarineMax, we prioritize seamless financing so that there is nothing standing between you and the water. Our financing experts work with you at every stage of the purchasing process, matching you with the right financing package for your convenience. Explore our boat financing calculator to find a monthly payment that works for you.

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Financing Resources

Boat Financing Guide

Everything you need to know before applying.

Boat Costs

Understand monthly payments and ownership costs.

Can you Finance a Used Boat?

Compare financing options for different boat types.

Boat Financing Terms

Understand the key financing terms you'll encounter when purchasing a boat.

Hear From Our Financing Experts

MarineMax uses premium lenders to provide you the best finance and insurance that fits your lifestyle.

Frequently Asked Financing Questions

Why should we finance with MarineMax?

As the world's largest boat retailer, we deal with banks more than anyone else.
We handle everything for you and have the best available programs to offer.
Because you are purchasing a product from us, you are a priority to us and it is in our best interest to secure your approval as quickly as possible with the best rates and terms possible.
Rather than shopping banks and giving your financials to several banks, we will complete the whole process for you.
Once approved, we will provide multiple options to choose from.
We will provide an insurance quote and discuss extended warranty products as well, which you can include in the financing through our company.

I'm out of town but need to get optional equipment added to my boat. Can I close on my new boat remotely?

At this time our lenders do not offer a docu-sign program.
We can usually do a mail closing in front of a notary or general consulate. In doing so , we simply overnight you the require documents along with the areas required for a notary to sign, and you overnight them back to us.
Since most of our lenders do Fax Funding, the process is quick and efficient.

What do I need to apply for credit, and how long before I know if I got approved?

Typically loans under $150,000 are "Stated Income"; this means that what you enter on your application is used at face value. There are times that proof of Stated Items will be required.
Loan amounts over $150,000 require more documents (tax returns, proof of down payment/liquidity, personal financial statement, etc.).
The underwriters need time to process your information as well, making these decisions for the loan a slightly longer process. Typically, with our experience, we can get a decision within 24 hours after all documents are received.

My credit union offers boat loans in which I'm pre-approved. Why should I finance with you?

Our banks specialize in marine lending and usually offer better rates for longer terms.
You can reduce the hassle of going between places to deliver items.
Credit unions generally don't wire final payments, which will delay delivery.

Why should I buy the warranty now?

You will lock into today's pricing and protect yourself against increases in parts and labor costs.
If you purchase the warranty at the time of delivery, you will get the 6th or 8th year for free and only pay for a 5- or 7-year warranty.
You can also include the warranty in your financing and not have to put any additional money down.
Check out what we have to offer for Customer Care & Extended Protection.

Can you provide me with a financing quote?

There are a lot of factors that determine your final approval terms, however we will be happy to provide you with an overall explanation of what our terms look like.
Banks will typically lend up to 80% of your purchase price, meaning you will need at least 20% cash down.
With a thorough review of your financing package, we will be able to provide you with your final approval terms.

What is MarineMax's role in the purchase process, and how is it of importance to me?

It is our job to make you aware of all the great offers we can extend to you, such as financing, warranty, insurance, titling, and documentation, in addition to assuring your purchase goes as smoothly as possible for you.
Banks will typically lend up to 80% of your purchase price, meaning you will need at least 20% cash down.
With a thorough review of your financing package, we will be able to provide you with your final approval terms.

Can you explain some of the aforementioned terms in more detail?

Financing: All the underwriting is done at store level, making sure everything is in place before sending it to the lender. The lender will secure financing and assure that you will be offered the best approval terms, which may include no-prepayment penalties and/or zero additional closing cost.
Extended Protection: Coverages are personalized for your boat and can be built to include engine, accessories, generators, block and wear coverages.
Insurance: Our agent, Newcoast, will shop several “A rated” companies, and help secure coverage to best suit your needs.
Titling & Documentation: We make sure your vessel is registered correctly and in a timely manner so that you can navigate legally while using your boat, as well as saving you from having to perform the task yourself.