Fixed rates starting at

Rate does not apply to refinancing.
Please call for a refi quote: 866.900.8949

Streamline Your Boat Financing Process with Southeast Financial

Let’s face it, there’s nothing like being out on the water. Whether you love the spray of the sea in your face or towing a couple of skiers behind you, it’s hard to beat a day on the lake. Don’t let an unreasonable rate or ridiculous terms sink your dream of boat ownership.

Let Southeast Financial help you navigate the tricky waters of boat financing that will put you behind the wheel of the watercraft of your choice.

Customized Boat and Yacht Financing

As the masters of boat financing for the past two decades, we’ve perfected the art of providing the best boat loans for any marine purchase; big or small.

We finance any type of watercraft imaginable at virtually any price point. Whether it’s financing for a used boat loan or getting the best terms on a high-end yacht, our specialists are trained to deliver the top finance options for virtually any type of watercraft, ranging from $10,000 to $4,000,000.

All it takes to get started is clicking the Apply Now button here and we can get you a credit decision within 24 hours (sometimes within just 3 hours).

With repayment terms of up to 20 years for a larger boat, we have leveraged the high volume of financing we do to deliver the perfect watercraft loan for you. Our network of banks and lenders specialize in financing a variety of waterborne vehicles.

We can secure an online boat loan for virtually any type of personal-use vessel that sits in the water. This includes:

  • Bass Boats
  • Bowriders
  • Cabin Cruisers
  • Cuddy Boats
  • Power Boats
  • Sailboats
  • Wakeboard boats
  • High-end Yachts


And our expertise doesn’t end with boat financing. We can provide extended warranties as well as in-depth advice to effectively insure your marine vehicle. Our affordable boat extended warranties are designed to cover high-priced repairs and replacements that result from a variety of situations, including unexpected breakdowns in other states. Add all this to our remarkable customer service and online efficiencies, and you’ve just bought yourself peace of mind and security to last the life of your boat.

Getting started is just a click of the Apply Now button away. Once we receive your application we strive to provide you with a lending decision within 24 hours; faster than credit unions like Federal Credit Union. Start exploring your options today to see just how efficient (and economical) we can be.

The Southeast Financial Difference

Efficient: When looking for a boat loan with low rates through a dealership, you’ll play the game of shifting rates and terms, down payment, and cost of the vessel. By securing your loan through Southeast Financial, you take greater control of the negotiating process and can secure the best loan to ensure the greatest value when purchasing your new boat.

Fast: If buying used boats from a second party, time is of the essence. Once you’ve agreed on a price, the seller will want payment quickly. This is where our online efficiencies come in. Once you’ve gone through our approval process, securing the loan and getting your check is processed without delay, helping you get on the water and having fun in record time.

Flexible: Because we specialize in all types of waterborne vehicle financing, we don’t need to play games with our rates or terms. We can finance your watercraft for as little as $10,000 with repayment terms of up to 20 years for our larger boat loans, which helps in lowering your monthly payment. And for larger boats, we can finance up to $4 million, ensuring we can get you in the exact boat you need without having to hassle with a bank or dealership.

Plus, once you’ve landed the boat loan you’re searching for, we continue to support you online with an outstanding array of customer service features that allow easy account management and repayment of your loan. There truly is no reason to go anywhere else as we do the shopping for you. All you need to do is enjoy your new watercraft for years to come.

If you want to finance a boat or other recreational vehicles then you’ve come to the right place. Southeast Financial offers some of the most flexible financing options for boat loans, RV loans, and the like so chances are we’ve got a plan that will line up perfectly with your budget. Go to our Boat Loan Calculator to estimate your payments or apply now!

*does not apply to refinancing