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.
Boat Loan Rates (APR)
Boat rates as of (Thu Mar 13, 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.