Values for Sellers and Buyers

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Boat Loans

Any Questions?

If it sounds simple well, that’s because it is. Most new boats are purchased with a loan so well-established procedures are in place. As for who to take out the loan from? Your main top three options are:

1. Finance through your boat dealer

This is usually the easiest option. Boat dealers set up boat loans every day, so you’ll be working with a professional who can guide you through the process, has established relationships with lenders, and also is interested in making the entire transaction easy and as seamless as possible. They may also have recommendations for setting up boater insurance too.

2. Get a loan from your bank

Some buyers who have a lot of equity in their home find it advantageous to take out a home equity loan or a second mortgage, either because they may get a lower interest rate or for tax purposes. Remember, this will add time and some complexity to the transaction.  So be prepared for a longer transaction or simply initiate the process ahead of time.

3. Take out a loan with a lender specializing in marine financing

Since financing a boat is a bit different than financing other assets, there are some lenders who specialize in it. Trident Funding is one of these specialty banks.

What will the payments be on my boat loan?

Of course, there are many variables that will have an effect on determining your payment and rate. Credit scores, debt ratios and net worth will all be considered by the lender.  Since everyone’s situation is different, it depends on your personal circumstances, the size and term of the loan. However, there are generalities that hold true for the vast majority of boat loans:

  • Interest rates generally go down as the loan amount goes up.
  • Interest rates generally go down as the term of the loan goes down.
  • Higher loan amounts can usually be stretched over longer periods of time. In most cases, boat loans range from four to 20 years.
  • Usually, the lender will be basing a boat loan on a 10- to 20-percent down payment. That said, there are some no-money-down deals out there.
  • Often, you can roll the expenses of accessories like electronics, trailers, and even extended warranties into a boat loan. Just be sure to pick out the complete package you want, ahead of time.
  • Most lenders will be looking for credit scores of around 700 or higher. You can get a boat loan with a lower credit score, but expect that you may have to pay a penalty in the form of a higher interest rate or a larger down-payment.

Trident funding

Trident funding offers a wide variety of fixed and adjustable rate programs for you to choose from. The programs available to you depend on factors such as loan amount, down payment, vessel type, age of the boat, loan term, and credit qualifications. Here is a sample of the types of programs available:

Boat loan programs

Standard fixed rates
Short-Term fixed rate programs
60-Day deferred rate payment
Variable rate programs

Any Questions?

Boats for Sale Search

Boats for Sale

1-18 of 4370 Vessel results for your search.
1
Boats for Sale
50' - Pershing - 2018 - 5X - Fort Lauderdale, Florida, United States5X
2018 5X
  • Model IPS D11 950
  • Engine Qty 2
  • Cabin Count 2
  • Head Count 2
  • Motor Yachts
  • 1,295,000
  • Cabins 2 Heads 2
  • 2 Volvo IPS D11 950
1,295,000
2
Boats for Sale
80' - Pershing - 2012 - Motor Yacht - Miami Beach, Florida, United StatesMotor Yacht
2012 Motor Yacht
  • Model 16V2000
  • Engine Qty 2
  • Cabin Count 4
  • Head Count 4
  • Motor Yachts/Cruisers
  • 2,999,000
  • Cabins 4 Heads 4
  • 2 MTU 16V2000
2,999,000
3
Boats for Sale
35' - Dufour - 2017 - 350 Grand Large - Astra - Portsmouth, Rhode Island, United States350 Grand Large
2017 350 Grand Large
  • Cabin Count 2
  • Sleep Count 6
  • Head Count 1
  • Cruisers
  • 194,000
  • Cabins 2 Sleeps 6 Heads 1
  • Astra
194,000
4
Boats for Sale
59' - Hatteras - 2021 - STRESPROOF - Barbados
2021
  • Model C-32A
  • Engine Qty 2
  • Cabin Count 3
  • Head Count 2
  • Sport Fishing
  • 4,200,000
  • Cabins 3 Heads 2
  • 2 Caterpillar C-32A
  • STRESPROOF
4,200,000
5
Boats for Sale
26' - Sea Ray - 2004 - Sundancer 260 - Climate Change - Port Charlotte, Florida, United StatesSundancer 260
2004 Sundancer 260
  • Cruisers/Cruisers
  • 44,900
  • Climate Change
44,900
6
Boats for Sale
53' - Scout - 2022 - LXF - Kingfish - Palm Beach Gardens, Florida, United StatesLXF
2022 LXF
  • Model Verado 600
  • Engine Qty 4
  • Head Count 1
  • Cuddy Cabin
  • 2,950,000
  • Heads 1
  • 4 Mercury Verado 600
  • Kingfish
2,950,000
7
Boats for Sale
23' - Malibu - 2014 - Wakesetter 23 LSV - Cape May, New Jersey, United StatesWakesetter 23 LSV
2014 Wakesetter 23 LSV
  • Model 6.2L
  • Engine Qty 1
  • Ski-Wakeboard Boats/Bowrider
  • 85,000
  • 1 Marine Power 6.2L
85,000
8
Boats for Sale
88' - Sanlorenzo - 2020 - SX88 - No Time to Die - Miami Beach, Florida, United StatesSX88
2020 SX88
  • Model IPS
  • Engine Qty 3
  • Cabin Count 4
  • Motor Yachts/Motor Yachts
  • 6,990,000
  • Cabins 4
  • 3 Volvo IPS
  • No Time to Die
6,990,000
9
Boats for Sale
30' - Glacier Bay - 2009 - 3080 Hardtop - Naples, Florida, United States3080 Hardtop
2009 3080 Hardtop
  • Model F250
  • Engine Qty 2
  • Catamaran
  • 164,900
  • 2 Yamaha F250
164,900
10
Boats for Sale
17' - Carolina Skiff - 2020 - 17LS - Wilmington, North Carolina, United States17LS
2020 17LS
  • Model DF115A
  • Engine Qty 1
  • Center Consoles
  • 29,999
  • 1 Suzuki DF115A
29,999
11
Boats for Sale
38' - Fountain - 2020 - 38CC - Murrells Inlet, South Carolina, United States38CC
2020 38CC
  • Model 400
  • Engine Qty 4
  • Center Consoles
  • 525,000
  • 4 Mercury 400
525,000
12
Boats for Sale
17' - Boston Whaler - 2020 - Splash - Camden, Maine, United States
2020
  • Model 115 EXLPT
  • Engine Qty 1
  • Center Consoles
  • 45,000
  • 1 Mercury 115 EXLPT
  • Splash
45,000
13
Boats for Sale
80' - Azimut - 2001 - Motor Yacht - Enchanted Lady - Fort Lauderdale, Florida, United StatesMotor Yacht
2001 Motor Yacht
  • Model 3412E
  • Engine Qty 2
  • Cabin Count 4
  • Head Count 4
  • Motor Yachts
  • 850,000
  • Cabins 4 Heads 4
  • 2 Caterpillar 3412E
  • Enchanted Lady
850,000
14
Boats for Sale
35' - Catalina - 2012 - Tracy's Landing, Florida, United States
2012
  • Model 3YM30
  • Engine Qty 1
  • Cabin Count 2
  • Head Count 1
  • Cruiser-Racer
  • 187,750
  • Cabins 2 Heads 1
  • 1 Yanmar 3YM30
187,750
15
Boats for Sale
45' - Catalina - 1991 - CC Sloop - Wing It - San Carlos, MexicoCC Sloop
1991 CC Sloop
  • Model 4JH2
  • Engine Qty 1
  • Cabin Count 2
  • Head Count 2
  • Center Cockpit/Sloop
  • 130,000
  • Cabins 2 Heads 2
  • New Listing!
  • 1 Yanmar 4JH2
  • Wing It
130,000
16
Boats for Sale
27' - Pursuit - 2021 - Portland, Maine, United States
2021
  • Engine Qty 2
  • Center Consoles
  • 245,000
  • 2 Yamaha
245,000
17
Boats for Sale
37' - Axopar - 2023 - 37 xc cross cabin - fort lauderdale, Florida, United States37 xc cross cabin
2023 37 xc cross cabin
  • Engine Qty 2
  • Cabin Count 1
  • Head Count 1
  • Sports Cruiser
  • 394,481
  • Cabins 1 Heads 1
  • 2 mercury
394,481
18
Boats for Sale
147' - Astondoa - 2008 - Panakeia - Italy
2008 / 2018
  • Model 16V 4000 MGIR
  • Engine Qty 2
  • Cabin Count 5
  • Sleep Count 10
  • Motor Yachts
  • 11,314,592
  • Cabins 5 Sleeps 10
  • 2 MTU 16V 4000 MGIR
  • Panakeia
11,314,592

Values for Sellers

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