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.
Brick 2
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MarineMax Brick
1500 Riverside Dr N, Brick, NJ 08724-1805
Mon-Thu 9-6, Fri-Sat 9-5, Sun 10-4
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Off the Hook Yachts
281 Princeton Ave, Brick, NJ 08724-4449
Cape May 2
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Bill Kocis / South Jersey Yacht Sales
900 Ocean Dr, Cape May, NJ 08204-5401
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Off The Hook Yachts New Jersey
124 Rosemans Ln, Cape May, NJ 08204-5276
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MarineMax Somers Point
600 Bay Ave, Somers Point, NJ 08244-2520
Mon-Fri 9am-5pm
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Mid-Atlantic - New Jersey - Somers Point
600 Bay Avenue, Somers Point, NJ 08244
Mon-Fri 9am-5pm
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Mid-Atlantic - New Jersey - Brick
1500 Riverside Dr., Brick Township, NJ 08724
Mon-Thu 9-6, Fri-Sat 9-5, Sun 10-4
Dennis Twp 1
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MarineMax Ocean View
2602 Shore Rd, Dennis Twp, NJ 08230-1018
Mon-Sat 9-5, Sun closed
Edgewater 1
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All Power Yacht Sales
1375 River Rd, Edgewater, NJ 07020-1425
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MarineMax Lake Hopatcong
134 Espanong Rd, Lake Hopatcong, NJ 07849-2292
Mon-Sat 9-5, Sun closed
Long Beach Twp 1
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MarineMax Brant Beach Service Center
20 W 44th St, Long Beach Twp, NJ 08008-4008
Tue-Sat 8-4:30, Mon/Sun closed
Ocean View 1
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Mid-Atlantic - New Jersey - Ocean View
2602 Shore Road (Route 9), Ocean View, NJ 08023
Mon-Sat 9-5, Sun closed
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South Jersey Yacht Sales
1668 Beaver Dam Rd, Point Pleasant, NJ 08742-5109
Wyckoff 1
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Bergen Performance Marine LLC
500 W Main St, Wyckoff, NJ 07481-1406
Also in New Jersey
- New Boat Dealers42
- Boat Dealers with Service & Repair38
- Used Boat Dealers35
- Boat Dealers with a Parts Department27
- Boat Dealers Offering Financing23
- Boats for Sale and Marine Inventory21
- Boat Dealers with On-Site Storage20
- Boat Winterization and Shrink Wrap14
- Boat Dealers Offering Marine Loans and Financing14
- Center Console Boats for Sale and Service9
- New and Used Fishing Boats for Sale7
- Boat Dealers Accepting Trade-Ins and Buyouts5
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 New Jersey 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 New Jersey on BoatDealerAtlas for local safety course recommendations.