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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Aquaknox Marine
856 Shanghai Rd, La Follette, TN 37766-5816
Mon-Thu 9-5, Fri-Sat 9-8, Sun Closed
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No Wake Marine Norris Lake
156 Launch Ln, La Follette, TN 37766-6549
Mon 8:30am-5pm, Tue 8:30am-5pm, Wed 8:30am-5pm, Thu 8:30am-5pm, Fri 8:30am-5pm, Sat 9am-2pm
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Erwin Marine Sales
3001 Kings Point Rd, Chattanooga, TN 37416
Harrison 1
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WaterSports Central
6200 TN-58, Harrison, TN 37341-9537
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TNT Water Sports
1089 W Main St, Hendersonville, TN 37075-2827
Tue-Fri 9am-5pm, Sat 9am-3pm
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Rockingham Marine
4710 N Roan St, Johnson City, TN 37615-3837
Mon-Fri 9-4, Sat 11-3, Sun Closed
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Beacon Marine
474 Lakeside Dock Dr, Kingsport, TN 37663-4152
Mon-Fri 9am-5pm, Sat 11am-2pm, Sun Closed
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Aquaknox Marine West Knoxville
1102 Fox Rd, Knoxville, TN 37922
Mon-Fri 9am-5pm, Sat 9am-2pm
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The Boat Guy
4894 Lynchburg Rd, Winchester, TN 37398
Also in Tennessee
- New Boat Dealers59
- Used Boat Dealers51
- Boat Dealers with Service & Repair48
- Boat Dealers Offering Financing38
- Boat Dealers with a Parts Department25
- Pontoon Boat Dealers19
- Boats for Sale and Marine Inventory18
- New and Used Fishing Boats for Sale18
- Boat Dealers Accepting Trade-Ins and Buyouts14
- Boat Winterization and Shrink Wrap11
- Boat Dealers with On-Site Storage9
- Center Console Boats for Sale and Service6
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 Tennessee are available via BoatDealerAtlas with 9 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 9 marine services in Tennessee on BoatDealerAtlas for local safety course recommendations.