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Boat Financing

MarineMax, the world’s largest and most trusted recreational marine dealer, has formed partnerships with leading lenders within the industry to offer some of the most competitive rates on boat loans across the US. Our finance experts are fully prepared to provide you with simple short-term and long-term, hassle-free financing packages to make your boat purchase as comfortable and easy. 

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New Boat Financing

Don’t let the opportunity pass you by! MarineMax Financing is perfect for new boats.
Finance a New Boat
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Used Boat Financing

With a wide variety of used boats, rest assured knowing that each is subject to a thorough inspection.
Finance a Used Boat
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Refinance Your Boat

MarineMax may be able to help you lower your payment or achieve a better rate on your boat loan.
Refinance Your Boat

Apply for Financing

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Frequently Asked Questions

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

Frequently Asked Questions About Financing Your Boat Purchase

Boat Finance FAQ

What Type of Credit Do I Need to Buy a Boat?

The finance experts at your local MarineMax are prepared to provide you with simple short-term and long-term, hassle-free financing packages. They can help guide you through the ins-and-outs of obtaining a loan.

Boat Finance FAQ

Why Finance When I Can Borrow Against Investments for a Boat?

With MarineMax, when you finance through us, the rate of your loan is fixed and will not fluctuate during the life of your loan.

Boat Finance FAQ

What Are the Benefits of a Boat Business Manager?

Start enjoying the boating lifestyle with affordable and easy to obtain financing. Most banks will offer boat loans that use the boat as collateral. Typically, banks will require the boat buyer to pay a minimum of 20% of the boats full value and the bank sets the value. Many bankers are unaware of the many nuances of financing a new or used boat. Consider the MarineMax alternative for boat financing.

Boat Finance FAQ

Can I Finance Optional Boat Equipment?

A huge benefit of working with MarineMax is the ability to roll any optional equipment you purchase into your financing.

Boat Finance FAQ

Do You Help Register My Boat?

MarineMax take care of all ownership and registration paperwork for you so that everything is ready to go at time of closing.

  • Boat Financing Calculator

    Where to finance your boat is a big decision, and we're here to help! No matter where you are in the purchase process, our boat financing experts will make it as easy as can be. Explore our boat financing calculator to calculate your monthly payment.
  • Finance and MarineMax Experience Team

    Meet the Finance Team

    Our knowledgeable finance professionals are there for you every step of the way and are happy to answer all your questions about the entire process.  
  • Planned Maintenance

    Scheduling proper maintenance for your Mercury engine is important so you can be out on the water longer. MarineMax's planned maintenance program is a stress-free process with multiple ways to schedule such as on the MarineMax App, online, or calling your local store. Schedule your engine maintenance today to continue creating life lasting memories on the water. 
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Customer Care

At MarineMax, our number one priority is to make our customers happy and to offer the best service and options to make life on the water an absolute pleasure.
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Let us protect your investment with premium insurance for your boat or yacht.
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Connecting Buyers and Sellers

Our brokerage services deliver a big audience. As the nation's largest boating retailer, we have the resources it takes to sell your boat and find you a new one.
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