This section directory features marine dealerships, brokers, and lenders offering financing programs for new and pre-owned watercraft. Marine loans differ from standard auto financing, often offering extended repayment terms up to 20 years for qualified buyers. Before applying, gather your recent tax documents, check your credit score, and ensure the vessel meets age restrictions set by marine lenders.
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5 Star PowerSports
1465 Highway 411 NE, Cartersville, GA 30121-5112
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Happyboaters Pontoon Cruiser & Sportboat Trailer Sales
1463 Highway 411 NE, Cartersville, GA 30121-8000
Cumming 2
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MarineMax Lake Lanier
1860 Bald Ridge Marina Rd, Cumming, GA 30041-8506
Mon 8am-4pm, Tue-Sat 9am-5pm, Sun 11am-4pm
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Mid-Atlantic - Georgia - Lake Lanier
1860 Bald Ridge Marina Road, Cumming, GA 30041
Mon 8am-4pm, Tue-Sat 9am-5pm, Sun 11am-4pm
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MarineMax Savannah
3518 Old Tybee Rd, Thunderbolt, GA 31410
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Mid-Atlantic - Georgia - Thunderbolt
3518 Old Tybee Road, Thunderbolt, GA 31410
Sales Mon-Fri 9-5, Sat 9-2, Sun closed
Appling 1
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Lakeside Marine
4218 Old Lincolnton Rd, Appling, GA 30802-4108
Buford 1
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WaterSports Central
5815 Lanier Islands Pkwy, Buford, GA 30518-1510
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WaterSports Central
25 Shoreline Trl, Clarkesville, GA 30523-0313
Eatonton 1
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Justice Marine
815 Harmony Rd, Eatonton, GA 31024-5875
Tue-Fri 9-5, Sat 9-1
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WaterSports Central
1011 Park Ave, Greensboro, GA 30642-5158
Lakemont 1
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WaterSports Central - Rabun
1897 Lake Rabun Rd, Lakemont, GA 30552-2116
Watkinsville 1
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Dealer Profit Services, LLC
1020 Barber Creek Dr Ste 201, Watkinsville, GA 30677
Waverly 1
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Hickory Bluff Marine Group
60 Mallory Ln, Waverly, GA 31565-2654
Willacoochee 1
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R.K. Company
471 Fleetwood Ave W, Willacoochee, GA 31650-2037
Mon-Fri 9am-5pm, Sat-Sun Closed
Also in Georgia
- New Boat Dealers67
- Boat Dealers with Service & Repair66
- Used Boat Dealers59
- Boat Dealers Offering Financing57
- Boat Dealers with a Parts Department40
- Boats for Sale and Marine Inventory35
- Pontoon Boat Dealers22
- Boat Dealers Offering Marine Loans and Financing20
- Boat Dealers Accepting Trade-Ins and Buyouts19
- Center Console Boats for Sale and Service14
- New and Used Fishing Boats for Sale14
- Boat Dealers with On-Site Storage11
- Boat Winterization and Shrink Wrap6
Good to know
What credit score is needed for a boat loan?
Most marine lenders require a minimum credit score of 660 for standard approval, while prime rates are typically reserved for scores of 720 and above. Applicants with credit scores between 600 and 650 may qualify through specialized lenders but should anticipate higher interest rates and down payments up to 20%. Lenders also evaluate your debt-to-income ratio, which ideally should remain under 45%.
What are standard interest rates and loan terms for boats?
Average marine loan interest rates generally fall between 7% and 12%, depending on creditworthiness, loan amount, and vessel age. Loan terms typically range from 10 to 15 years for amounts between $15,000 and $50,000, while loans over $100,000 can stretch to 20 years. Older vessels (over 10 to 15 years old) usually cap repayment terms at 5 to 7 years.
How much down payment is required for boat financing?
Standard down payment requirements range from 10% to 20% of the total purchase price, including sales tax and registration fees. High-value vessels over $100,000 or older pre-owned models frequently require a strict 15% to 20% down payment. Zero-down options exist primarily for well-qualified buyers with credit scores above 750 purchasing new models through manufacturer promotion programs.
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 Georgia are available via BoatDealerAtlas with 15 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 15 marine services in Georgia on BoatDealerAtlas for local safety course recommendations.