Good Sam Finance

Get on the water with a
low‑rate boat loan

Boat Purchase Rates

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Boat Purchase Rates

Boat Refinance Rates

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Boat Refinance Rates

Competitive loan rates
for boats.

The Good Sam Finance Center offers competitive rates and terms to help you purchase a new or used boat or refinance your existing boat through our leading marine lenders. Receive loans for powerboats, sailboats, multi-hull boats, pontoons, and personal watercraft, and experience a hassle-free boat loan process.

Flexible loan options

Gain access to a network of lenders to meet your unique needs.

Adaptable Financing

Refinances, private party, dealer/broker purchase.

New and used

Loans for 25 model years or newer.

Choose your loan program

Credit scores as low as 600.

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Boat Loan Rates (APR)

Boat rates as of (Thu Mar 28, 2024), we offer loans from $10,000 to $2 million

Select Your Loan Amount:

Set Your Down Payment:

Select Your Loan Amount:

Down Payment:

Term (Months):

Boat loan payment calculator

Estimate your monthly payment based on the Boat you want to buy and your specific loan needs.

_.__% APR
$___
___Months

Here is what your monthly payment might look like:

_.__% APR
$___
___Months
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How to finance your Boat with Good Sam

1

Choose your boat & loan terms

Financing is based on the specific boat you purchase or refinance, and you can use our site to find the terms you're after.

2

Apply & get a credit decision

If approved, you'll receive an email with details about your loan offer and next steps.

3

Sign loan documents & get funding

After credit approval, work with our team to submit required information on your Boat loan, coordinate delivery of loan documents, and return signed loan documents for loan funding.

4

Title & register your boat

If we are processing your title and registration, after the loan has funded, you may need to work with our collateral team and/or 3rd party vendor to document and/or register your boat before you set sail. Timing at this step varies by state.

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Join over 21,000
satisfied customers.

FAQ

We offer financing options for standard and customer power or sailboats, multi-hull boats, pontoon boats. We also have financing options for high-performace boats, houseboats and wood hull boats.

Yes, we provide Boat financing if you buy your Boat from a private party seller. Click here to view Boat Purchase rates.

We can finance standard boats up to 20 model years old, call 800-444-1476 for boats up to 25 model years old.

Yes, we offer a zero down loan program for up to $70,000

Yes, our minimum credit score is 600. Credit scores of less than 680 have a maximum loan amount of $50,000.