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Boat Dealers Offering Marine Loans and Financing in St Petersburg, FL

6 of the 49 boat dealers we list in St Petersburg 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. Boat America

    8290 Bay Pines Blvd, St Petersburg, FL 33709-4002

    Mon-Sat 9am-4pm

    Used boatsFinancing
    Call Website Directions

  2. Clearwater Yachter

    6810 Gulfport Blvd S, St Petersburg, FL 33707-2137

    New boatsUsed boatsService deptPartsFinancing
    Call Website Directions

  3. Murray Yacht Sales

    200 Beach Dr NE, St Petersburg, FL 33701

    New boatsUsed boats
    Call Website Directions

  4. Pro Marine Boat Sales

    9401 Bay Pines Blvd, St Petersburg, FL 33708-3915

    Mon-Fri 8:30am-5:30pm

    New boatsUsed boatsService deptPartsFinancing
    Call Website Directions

  5. Tampa Yacht Sales

    360 Central Ave, St Petersburg, FL 33701-3803

    Mon 9am-5pm, Tue 9am-5pm, Wed 9am-5pm, Thu 9am-5pm, Fri 9am-5pm

    Used boatsFinancing
    Call Website Directions

  6. West Florida - St Petersburg

    6810 Gulfport Blvd, St Petersburg, FL 33707

    Mon-Sat 8am-5pm, Sun 11am-4pm

    New boatsUsed boatsService deptFinancingStorage
    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 St Petersburg

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.