This section lists boat dealerships and marine brokers that offer in-house financing or direct loan processing with marine lenders. Loan terms for new and used vessels typically range from 10 to 20 years, with interest rates starting between 6.5% and 9.5% APR depending on credit qualifications. Most marine lenders require a down payment of 10% to 20% of the total purchase price prior to delivery.
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Ballast Point Yachts, Inc.
1239 Scott St, San Diego, CA 92106
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Carefree Boat Club
4980 N Harbor Dr, San Diego, CA 92106-2370
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California Boat Co.
5901 Marina Rd Ste 13, Discovery Bay, CA 94505
Tue 9am-5pm, Wed 9am-5pm, Thu 9am-5pm, Fri 9am-5pm, Sat 9am-5pm
Hemet 1
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Last Chance Performance Marine
601 S Sanderson Ave, Hemet, CA 92545-3657
Mon-Sat 8am-5pm, Sun 10am-3pm
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Superior Boat Repair & Sales
11337 Pyrites Way, Rancho Cordova, CA 95670-4416
Mon 8am-5pm, Tue 8am-5pm, Wed 8am-5pm, Thu 8am-5pm, Fri 8am-5pm, Sat 9am-5pm
Also in California
- Used Boat Dealers119
- New Boat Dealers95
- Boat Dealers with Service & Repair88
- Boat Dealers with a Parts Department55
- Boat Dealers Offering Financing47
- Boats for Sale and Marine Inventory25
- New and Used Fishing Boats for Sale21
- Boat Dealers with On-Site Storage17
- Boat Winterization and Shrink Wrap10
- Boat Financing and Marine Loan Options10
- Boat Dealers Accepting Trade-Ins and Buyouts9
- Pontoon Boat Dealers7
Good to know
What credit score is needed to qualify for a boat loan?
Most marine lenders require a minimum credit score of 660 to qualify for standard loan programs, with the lowest interest rates reserved for scores of 720 and above. Subprime lenders may accept scores down to 600, but typically require a 20% to 30% down payment and higher interest rates.
How long can you finance a new or used boat?
Standard loan terms for new boats range from 10 to 20 years (120 to 240 months), depending on the total loan amount. Used boats usually cap at 10 to 15 years, and loan amounts under $25,000 are typically limited to maximum terms of 5 to 7 years.
How much down payment is required for a boat loan?
A typical down payment ranges from 10% to 20% of the total vessel sale price, including options, sales tax, and registration. Lenders may request up to 30% down for older used boats, high-performance vessels, or applicants with limited credit history.
How to register a boat?
Boat registration is handled by state natural resources or motor vehicle departments upon submitting proof of ownership, a bill of sale, and required registration fees. After processing, you will receive official registration numbers and validation decals to display on your hull. Marine agencies across California are available via BoatDealerAtlas with 5 local resources to guide your purchase.
How to get a boating license?
Obtaining a boating license generally requires completing an approved safe boating course online or in person, followed by passing a knowledge exam. Upon passing, state authorities issue a boater safety education card valid for life. Explore 5 marine services in California on BoatDealerAtlas for local safety course recommendations.