Good Sam Finance
Get on the water with a
low‑rate boat loan
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.
Gain access to a network of lenders to meet your unique needs.
Refinances, private party, dealer/broker purchase.
Loans for 25 model years or newer.
Credit scores as low as 600.
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Boat Loan Rates (APR)
Boat rates as of (Sun Mar 02, 2025), 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.
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.
FAQ
Yes, we provide Boat financing if you buy your Boat from a private party seller. Click here to view Boat Purchase rates.
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.