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.
-
Iguana Marine Group
4773 Osage Beach Pkwy, Osage Beach, MO 65065-2824
Mon 8am-5pm, Tue 8am-5pm, Wed 8am-5pm, Thu 8am-5pm, Fri 8am-5pm
-
MarineMax Osage Beach
4543 Osage Beach Pkwy, Osage Beach, MO 65065-2173
-
Mid-Missouri Yachts
660 Malibu Rd, Osage Beach, MO 65065-3232
Mon-Sat 9am-5pm, Sun 10am-3pm
-
Midwest - Missouri - Osage Beach
4543 Osage Beach Parkway, Osage Beach, MO 65065
Mon-Sat 9am-5pm, Sun 10am-4pm
-
Performance Marine Water Sports
5755 Osage Beach Pkwy, Osage Beach, MO 65065-3082
Tue-Sat 9am-5:30pm
-
Chad Crouch Yachts
3070 Bagnell Dam Rd, Lake Ozark, MO 65049-9741
-
Midwest - Missouri - Lake Ozark
3070 Bagnell Dam Blvd, Lake Ozark, MO 65049
Mon-Sat 9am-5pm, Sun 10am-4pm
-
Ozark Yacht Brokers
315 Four Seasons Dr, Lake Ozark, MO 65049-6815
-
TOONS
24932 State Highway 39, Shell Knob, MO 65747
-
Toons Table Rock
8856 W State Highway 86, Shell Knob, MO 65747-9176
Grandview 1
-
Midwest Marine Boats
13800 S US Highway 71, Grandview, MO 64030-3685
Mon-Fri 9am-6pm, Sat 9am-4pm
Hazelwood 1
-
Stateamind Water Sports
122 Ford Ln, Hazelwood, MO 63042-2816
Mon 9am-5pm, Tue 9am-5pm, Wed 9am-5pm, Thu 9am-5pm, Fri 9am-5pm, Sat 9am-3pm
Savannah 1
-
Savannah Marine
206 N 5th St, Savannah, MO 64485-1474
Mon-Fri 8am-5pm, Sat 8am-12pm
-
Ozark Yachts & Motorsports
91 Grand Point Blvd, Sunrise Beach, MO 65079-5445
Also in Missouri
- Boat Dealers with Service & Repair55
- New Boat Dealers53
- Used Boat Dealers49
- Boat Dealers Offering Financing36
- Boat Dealers with a Parts Department34
- Pontoon Boat Dealers26
- New and Used Fishing Boats for Sale23
- Boats for Sale and Marine Inventory22
- Boat Dealers with On-Site Storage18
- Boat Winterization and Shrink Wrap17
- Boat Dealers Accepting Trade-Ins and Buyouts14
- Boat Dealers Offering Marine Loans and Financing14
- Center Console Boats for Sale and Service5
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 Missouri 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 Missouri on BoatDealerAtlas for local safety course recommendations.