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Boat Dealers Offering Marine Loans and Financing in Mississippi

5 of the 61 boat dealers we track in Mississippi have on-site boat loans and marine financing. Full listings for every city are on the Mississippi page.

5dealers
4cities
61dealers statewide

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.

Fulton 2

  1. Mercury Outboard Outlet

    5130 Highway 178 W, Fulton, MS 38843-8870

    Mon-Fri 8am-5pm, Sat 8am-1pm

    New boatsUsed boatsService deptPartsFinancing
    Call Website All Fulton

  2. Midway Marine

    5130 Highway 178 W, Fulton, MS 38843-8870

    Mon-Fri 8am-5pm, Sat 8am-1pm

    New boatsUsed boatsService deptPartsFinancing
    Call Website All Fulton

Amory 1

  1. Amory Marine Sales

    1402 Highland Dr, Amory, MS 38821

    Mon-Fri 8:30am-5:30pm, Sat 8:30am-1pm

    New boatsUsed boatsPartsFinancing
    Call Website

D'Iberville 1

  1. Crown Leisure Marine

    10356 D'Iberville Blvd, D'Iberville, MS 39540-2509

    Tue-Fri 8am-5pm, Sat 8am-12pm

    New boatsService deptPartsFinancing
    Call Website

Smithville 1

  1. Amory Marine Sales, Inc.

    63086 MS-25, Smithville, MS 38870-9778

    Mon 8:30am-5:30pm, Tue 8:30am-5:30pm, Wed 8:30am-5:30pm, Thu 8:30am-5:30pm, Fri 8:30am-5:30pm, Sat 8:30am-1pm

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

Also in Mississippi

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 Mississippi 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 Mississippi on BoatDealerAtlas for local safety course recommendations.