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Boat Loans Made Easy

Find out if you’re approved for a boat loan the SAME DAY you apply!

Southeast Financial offers boat financing for marine purchases big and small, so if you’re eager to get out on the water, you’ve come to the right place. We finance all types, makes and models of boats, at virtually any price range. From used boat loans to high-end yacht financing, our lending specialists are prepared to finance almost any type of watercraft, ranging from $10,000 to $4,000,000.

Over the last 14 years, the team at Southeast Financial has helped thousands of people purchase the boats of their dreams with our expanded selection of marine boat loans. Our financing options are flexible, with repayment terms of up to 20 years for our larger loans. And thanks to the high volume of business we do with banks that specialize in financing for boats and other high-end recreational vehicles, we can offer some of the best rates in the industry.

We strive to work with a wide variety of customers. Southeast Financial is able to provide financing whether you’re purchasing a new or used boat in virtually any price range, from a dealer or from a private-party seller.

Types of Boats We Finance

Southeast Financial offers secure boat loans online for virtually any type of personal-use vessel that can take to the water. This includes the following types of financing:


Whether you’re interested in a small pleasure craft for weekend adventures, a sailboat to take to the high seas, a fishing boat to bring back the catch of the day or a yacht to cruise the open waters while relaxing in style, we have financing that can make it happen. You can safely and securely apply for boat loans online whether you’re purchasing a new or used boat. Our lending specialists will process your application and turn around a credit decision the same day you apply, so you can move forward as quickly as possible. We’re here to make your boating dreams come true! **Southeast Financial only finances non-commercial boats purchased for personal use. Our financing is unfortunately not available for boat purchases in Alaska and Hawaii.

Make the Most of Your Budget with Boat Loan Refinancing

If you feel like you’re paying too much for the loan on your boat, we may be able to help with a boat refinancing plan that reduces your rates and/or extends your financing terms. We refinance boat loan, motorhome loan, RV loan and horse trailer loan plans. Due to our longstanding relationships with banks that specialize in these types of recreational vehicle loans, we are able to secure some of the best possible rates and terms in the industry. Our refinancing program is reserved for boats that are less than 10 years old.

We have worked with customers who own bass boats, bow riders, cabin cruisers, center consoles, cruisers, cuddy boats, cuddy cabins, deck boats, express cruisers, fishing boats, motorboats, open bows, pleasure crafts, pontoons, powerboats, runabouts, sailboats, wakeboard boats, yachts and more. Our lending specialists are on hand to provide more information about our boat loan refinancing rates, and as soon as you’re ready to apply it’s easy to log on and complete our safe, secure online application. You will need to know your current interest rate, remaining loan term, estimated payoff and current lien holder information. Once you’ve completed the application, we can get back to you with a credit decision the same day. Stop paying too much for your boat loan – check out our boat loan refinancing rates and apply today!

Protect Your Investment with an Extended Boat Warranty

A boat extended warranty can help protect this major investment and ensure that you’ll be back on the water in no time when you need repairs and replacement parts. Repairs and maintenance costs can really drive up the price of owning a boat, and you never know when something is going to need to be fixed or replaced. As boats become more complex and performance levels increase, often times, so does the need for frequent mechanical repairs, which can cost thousands of dollars. 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.

Southeast Financial offers boat extended warranty plans with flexible terms, which means you can choose the plan that best fits your budget. For our customers who have financed their boat purchases with us, we offer convenient packages that bundle monthly loan payments with warranty payments. We also work with those who have financed their purchases through other lenders, for both new and used boats from dealerships as well as independent sellers.

Our boat extended warranties are affordable enough to fit easily into most monthly budgets and comprehensive enough to cover most mechanical problems that arise with a variety of boats, ranging from fishing boats to ski boats to yachts. Contact us today to learn more and get the protection you need.

**We use the term “extended warranty” to describe this product because that is what most consumers know, versus a “service contract”. Manufacturers or sellers offer warranties backing the original workmanship and quality of the manufactured item(s). As a third party Southeast Financial offers an “extended service contract” which provides protection from mechanical failure beyond what a manufacturer’s warranty provides.

Estimate Your Payments with Our Boat Financing Calculator

It’s easy to plan for your dream purchase with our free, online boat payment calculator. Applying for a loan can be an intimidating process, especially when you want to purchase a high-ticket item like a boat. The planning process doesn’t have to be as much of a mystery, though. Having an idea of what your monthly payments will look like can help – and you can find out if you qualify to borrow the full purchase amount with our competitive boat loan rates and your desired repayment terms. Use our boat finance calculator any time of the day or night, and fill out our secure application once you’re ready to move forward.

Using our boat financing calculator is fast and simple – there are just three short steps to get an estimate of your monthly payments over the coming years. This online calculator is only a tool for comparison, though, and should not be considered a completely accurate quote. When you enter the boat loan interest rates for the loan amount you desire and the number of years you’d like to repay it over, we can provide an approximate estimate of the monthly payments you would likely make. When you’re ready to use our worry-free online system to apply for a loan, we can provide a credit decision the same day.