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Boat Dealers Offering Marine Loans and Financing in New York

11 of the 268 boat dealers we track in New York have on-site boat loans and marine financing. Full listings for every city are on the New York page.

11dealers
10cities
268dealers 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.

Lake George 2

  1. Pilot Knob Marina And Powersports

    655 State Route 149, Lake George, NY 12845-3517

    Tue-Sat 9am-5pm

    New boatsUsed boatsService deptFinancing
    Call Website All Lake George

  2. Smith Boys of Lake George Boat Dealership

    47 Canada St, Lake George, NY 12845-1603

    New boatsUsed boatsService deptPartsFinancingStorage
    Call Website All Lake George

Busti 1

  1. Smith Boys

    2310 W Lake Rd, Busti, NY 14710-9712

    New boatsUsed boats
    Call Website

Cicero 1

  1. Smith Boys

    9122 Brewerton Rd, Cicero, NY 13029-8503

    Call Website

Conesus 1

  1. Smith Boys

    5750 E Lake Rd, Conesus, NY 14435-9774

    Tue-Fri 9am-5pm, Sat 9am-3pm

    Service dept
    Call Website All Conesus

Huntington 1

  1. Northeast - New York - Huntington

    155 West Shore Road, Huntington, NY 11743

    Mon-Sat 9am-6pm, Sun 10am-4pm

    New boatsUsed boatsService deptPartsFinancing
    Website All Huntington

New York 1

  1. Discover Boating New York Boat Show

    Javits Center, New York, NY 10001

    Financing
    Website All New York

North Tonawanda 1

  1. Smith Boys

    280 Michigan St, North Tonawanda, NY 14120-6845

    New boatsUsed boatsService deptPartsFinancingStorage
    Call Website

Rochester 1

  1. McMillan Marine

    1070 Empire Blvd, Rochester, NY 14609-5952

    Mon-Fri 9-4, Sat 9-Noon, Sun Closed

    New boatsUsed boatsService deptPartsFinancingStorage
    Call Website All Rochester

Sag Harbor 1

  1. Allied Marine

    8 W Water St, Sag Harbor, NY 11963

    New boatsUsed boatsFinancing
    Call Website All Sag Harbor

Staten Island 1

  1. Bay Harbor Motors

    457 Bay St, Staten Island, NY 10304-3851

    New boatsUsed boatsService deptFinancing
    Call Website All Staten Island
Check for pre-payment penalties and originations fees before signing a marine retail installment contract.

Also in New York

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 York are available via BoatDealerAtlas with 11 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 11 marine services in New York on BoatDealerAtlas for local safety course recommendations.