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.
Brick 2
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MarineMax Brick
1500 Riverside Dr N, Brick, NJ 08724-1805
Mon-Thu 9-6, Fri-Sat 9-5, Sun 10-4
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Off the Hook Yachts
281 Princeton Ave, Brick, NJ 08724-4449
Cape May 2
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Bill Kocis / South Jersey Yacht Sales
900 Ocean Dr, Cape May, NJ 08204-5401
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Off The Hook Yachts New Jersey
124 Rosemans Ln, Cape May, NJ 08204-5276
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MarineMax Somers Point
600 Bay Ave, Somers Point, NJ 08244-2520
Mon-Fri 9am-5pm
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Mid-Atlantic - New Jersey - Somers Point
600 Bay Avenue, Somers Point, NJ 08244
Mon-Fri 9am-5pm
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Mid-Atlantic - New Jersey - Brick
1500 Riverside Dr., Brick Township, NJ 08724
Mon-Thu 9-6, Fri-Sat 9-5, Sun 10-4
Dennis Twp 1
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MarineMax Ocean View
2602 Shore Rd, Dennis Twp, NJ 08230-1018
Mon-Sat 9-5, Sun closed
Edgewater 1
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All Power Yacht Sales
1375 River Rd, Edgewater, NJ 07020-1425
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MarineMax Lake Hopatcong
134 Espanong Rd, Lake Hopatcong, NJ 07849-2292
Mon-Sat 9-5, Sun closed
Long Beach Twp 1
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MarineMax Brant Beach Service Center
20 W 44th St, Long Beach Twp, NJ 08008-4008
Tue-Sat 8-4:30, Mon/Sun closed
Ocean View 1
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Mid-Atlantic - New Jersey - Ocean View
2602 Shore Road (Route 9), Ocean View, NJ 08023
Mon-Sat 9-5, Sun closed
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South Jersey Yacht Sales
1668 Beaver Dam Rd, Point Pleasant, NJ 08742-5109
Wyckoff 1
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Bergen Performance Marine LLC
500 W Main St, Wyckoff, NJ 07481-1406
Also in New Jersey
- New Boat Dealers42
- Boat Dealers with Service & Repair38
- Used Boat Dealers35
- Boat Dealers with a Parts Department27
- Boat Dealers Offering Financing23
- Boats for Sale and Marine Inventory21
- Boat Dealers with On-Site Storage20
- Boat Winterization and Shrink Wrap14
- Boat Financing and Marine Loan Options14
- Center Console Boats for Sale and Service9
- New and Used Fishing Boats for Sale7
- Boat Dealers Accepting Trade-Ins and Buyouts5
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 New Jersey are available via BoatDealerAtlas with 14 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 14 marine services in New Jersey on BoatDealerAtlas for local safety course recommendations.