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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Brendan Bailey Yachts & Brokerage
1490 N Stemmons Fwy, Lewisville, TX 75067-2505
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Lone Star - Texas - Dallas
1490 N. Stemmons Freeway, Lewisville, TX 75067
Sales Mon-Sat 9-5, Sun closed
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MarineMax Dallas
1490 N Stemmons Fwy, Lewisville, TX 75067-2505
Sales Mon-Sat 9-5, Sun closed
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MarineMax Dallas Yacht Center
1481 E Hill Park Rd, Lewisville, TX 75056-3915
Sales Tue-Sat 9-5, Mon/Sun closed
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Texas - Pier 121
1481 E. Hill Park Rd., Route 3, Lewisville, TX 75056
Tue-Sat 9am-5pm
Seabrook 2
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Lone Star - Texas - Houston
3001 NASA Parkway, Seabrook, TX 77586
Mon-Sat 9am-5pm
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MarineMax Houston
3001 Nasa 1 Rd, Seabrook, TX 77586-3217
Mon-Sat 9am-5pm
Abilene 1
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West Texas Watersports
5680 E Interstate 20, Abilene, TX 79601
Austin 1
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Texas Malibu
16628 N IH-35 Svc Rd SB, Austin, TX 78728-1909
Mon-Fri 9am-6pm, Sat 9am-4pm
Burnet 1
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Boat Dockter Llc
7650 Park Road 4 W, Burnet, TX 78611-6014
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Murray Yacht Sales
1500 Marina Bay Drive, Pier 4, Clear Lake Shores, TX 77565
Houston 1
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Rinker's Boat World
2500 W Mount Houston Rd, Houston, TX 77038-1238
Mon 8am-5pm, Tue 8am-5pm, Wed 8am-5pm, Thu 8am-5pm, Fri 8am-5pm
La Porte 1
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Boats Etc.
331 Highway 146 S, La Porte, TX 77571-4827
Mon-Fri 8am-5pm, Sat-Sun closed
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Rinkers Boat World at Lakeshore
15225 Walden Rd, Montgomery, TX 77356-8536
Mon 8am-5pm, Tue 8am-5pm, Wed 8am-5pm, Thu 8am-5pm, Fri 8am-5pm
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Mowdy Boats of Texas
735 State Highway 35 N, Port Lavaca, TX 77979-2368
Rockwall 1
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Lake Kings
1 Harbor View Cir, Rockwall, TX 75032-9393
Mon-Fri 8:30am-5:30pm
Springtown 1
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RP Elite Motors & Marine
3100 W TX-199, Springtown, TX 76082-5243
Mon-Fri 9am-6pm, Sat 10am-2pm
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Rogers Marine Inc.
1221 Magnolia St, Texarkana, TX 75501-4438
Mon-Fri 8:30am-5pm, Sat 9am-2pm
Also in Texas
- New Boat Dealers118
- Used Boat Dealers116
- Boat Dealers with Service & Repair110
- Boat Dealers Offering Financing96
- Boat Dealers with a Parts Department71
- Boats for Sale and Marine Inventory51
- New and Used Fishing Boats for Sale43
- Boat Dealers Accepting Trade-Ins and Buyouts32
- Boat Dealers Offering Marine Loans and Financing23
- Pontoon Boat Dealers19
- Boat Winterization and Shrink Wrap17
- Boat Dealers with On-Site Storage14
- Center Console Boats for Sale and Service11
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 Texas are available via BoatDealerAtlas with 18 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 18 marine services in Texas on BoatDealerAtlas for local safety course recommendations.