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.
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Off the Hook Yachts
1701 Jel Wade Dr, Wilmington, NC 28401
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Saltwater Marine
6130 Carolina Beach Rd, Wilmington, NC 28412-2707
Mon-Fri 8am-5pm, Sat 8am-11am
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Yacht Brokerage and Wholesale by Andrew Cooper
6317 Market St, Wilmington, NC 28405-3728
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MarineMax Lake Norman
9209 Westmoreland Rd, Cornelius, NC 28031-7813
Sales Mon-Fri 9-6, Sat 9-5
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Mid-Atlantic - North Carolina - Cornelius
9209 Westmoreland Road, Cornelius, NC 28031
Sales Mon-Fri 9-6, Sat 9-5
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Race City Marine
1192 River Hwy, Mooresville, NC 28117-9064
Mon 8am-5pm, Tue 8am-5pm, Wed 8am-5pm, Thu 8am-5pm, Fri 8am-5pm, Sat 9am-4pm
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Wake&Water
1177 River Hwy, Mooresville, NC 28117-9064
Mon 9am-5pm, Tue 9am-5pm, Wed 9am-5pm, Thu 9am-5pm, Fri 9am-5pm, Sat 10am-4pm
Denton 1
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Mid-State Trailers & Ramps Inc.
6542 NC-47, Denton, NC 27239-8306
Mon-Fri 8-5
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Grandpa's Marine
3101 N Ohenry Blvd, Greensboro, NC 27405-3805
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Ccc Boat Donation & Resale Program
3807 Arendell St, Morehead City, NC 28557-2908
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Boat House and Services Center
2012 S Sterling St, Morganton, NC 28655-4050
Mon-Fri 8am-5pm, Sat 8am-12pm
New Bern 1
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Pocket Yacht Company
4332 US Highway 70 E, New Bern, NC 28560
Mon-Fri 8am-4pm
Oriental 1
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Deaton Yacht Sales
502 Main St # 4, Oriental, NC 28571-5002
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Mid-Atlantic - North Carolina - Wrightsville Beach
130 Short Street, Wrightsville Beach, NC 28480
Mon-Sat 9am-6pm
Also in North Carolina
- New Boat Dealers87
- Boat Dealers with Service & Repair70
- Used Boat Dealers65
- Boat Dealers with a Parts Department43
- Boat Dealers Offering Financing42
- Boats for Sale and Marine Inventory26
- Pontoon Boat Dealers20
- Center Console Boats for Sale and Service19
- New and Used Fishing Boats for Sale19
- Boat Dealers with On-Site Storage17
- Boat Winterization and Shrink Wrap11
- Boat Financing and Marine Loan Options11
- Boat Dealers Accepting Trade-Ins and Buyouts6
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 North Carolina 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 North Carolina on BoatDealerAtlas for local safety course recommendations.