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Boat Dealers Offering Marine Loans and Financing in Naples, FL

11 of the 46 boat dealers we list in Naples have on-site boat loans and marine financing.

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.

  1. Allied Marine

    909 10th St S Ste 102, Naples, FL 34102

    New boatsUsed boatsFinancing
    Call Website Directions

  2. Don Strong - Luxury Yacht Broker - Allied Marine

    909 10th St S, Naples, FL 34102-8203

    Used boats
    Call Website Directions

  3. Florida - Yachts & Charter

    525 5th Avenue S., Naples, FL 34102

    Financing
    Website Directions

  4. Inflatable Boats Of Florida

    2383 Linwood Way, Naples, FL 34112-4770

    New boatsUsed boatsService deptFinancing
    Call Website Directions

  5. MarineMax Naples

    1146 6th Ave S, Naples, FL 34102-6712

    Mon-Sat 8am-6pm

    New boatsUsed boatsService deptParts
    Call Website Directions

  6. MarineMax Yachts & Charter

    525 5th Ave S, Naples, FL 34102-6651

    Financing
    Call Website Directions

  7. Naples Marina Sales

    11420 Tamiami Trl E, Naples, FL 34113

    Mon-Fri 9am-5pm Sat 9am-Noon

    New boatsUsed boatsService deptFinancingStorage
    Call Website Directions

  8. The Boat House Naples

    2625 Davis Blvd, Naples, FL 34104-4332

    New boatsUsed boatsService deptPartsFinancingStorage
    Call Website Directions

  9. The Boat House Naples

    8582 Radio Ln, Naples, FL 34104-5430

    New boatsUsed boatsService deptPartsFinancingStorage
    Call Website Directions

  10. West Florida - Florida - Naples

    1146 6th Avenue South, Naples, FL 34102

    Mon-Sat 8am-6pm

    New boatsUsed boatsService deptParts
    Website Directions

  11. World Cat of South Florida - Naples

    2825 Davis Blvd, Naples, FL 34104-4336

    New boatsService deptPartsFinancing
    Call Website Directions
Check for pre-payment penalties and originations fees before signing a marine retail installment contract.

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Boat Dealers Offering Marine Loans and Financing near Naples

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.