Loan Disclosures

Important information about boat financing, rates, terms, and the pre-qualification process.

Last updated: June 2026

Boat-Financing.com is not a lender and does not make credit decisions. We connect consumers with boat financing providers and/or lending partners. Loan availability, rates, terms, down payment requirements, and approval are subject to lender review, credit profile, income, collateral, loan amount, boat age, and other factors. Pre-qualification does not guarantee final approval.

Important Loan Disclosures

Please read the following disclosures carefully before submitting any financing request or relying on any information presented on this website.

Boat-Financing.com Is Not a Lender

Boat-Financing.com is operated by Diverse Offerings Finance. We are not a bank, credit union, mortgage lender, or marine lending institution. We do not originate, underwrite, fund, or service loans. We serve as a connection service that may match consumers with one or more third-party boat financing providers, lenders, or lead buyers based on the information you provide.

Any loan offer you receive comes from a third-party lender or financing partner — not from Boat-Financing.com. You should review all loan terms directly with your lender before accepting any offer.

No Guarantee of Approval

Submitting a request through Boat-Financing.com does not guarantee that you will receive a loan offer, that you will be pre-qualified, or that any lender will approve your application. Loan availability depends on individual lender policies and underwriting guidelines. Factors that lenders typically consider include:

Rates and Terms Are Subject to Review

Any interest rates, APRs, monthly payment estimates, or loan terms displayed on this website are for general informational purposes only and are not a loan offer or commitment to lend. Actual rates and terms available to you will be determined by individual lenders based on their underwriting review of your complete application. Rates change frequently and may differ from any estimates shown on this site.

Pre-Qualification vs. Final Approval

Pre-qualification is a preliminary review of your potential eligibility for financing based on limited information. It is not a final credit decision and does not guarantee that a lender will approve your full application. Pre-qualification does not lock in a rate or loan amount. Final approval is subject to lender underwriting, verification of all information provided, satisfactory collateral review, and applicable state and federal regulations.

Soft Credit vs. Hard Credit Inquiry

Some lenders in our network may use a soft credit inquiry during the pre-qualification process. A soft inquiry does not affect your credit score. However, if you proceed to a full loan application with a lender, that lender will likely conduct a hard credit inquiry, which may affect your credit score. We encourage you to ask any lender about the type of credit inquiry they perform before authorizing an application.

Payment Estimates and Calculators

Payment calculators and estimate tools on this website are provided for informational and educational purposes only. Results are based on the information you enter and do not include every possible fee, tax, insurance cost, lender requirement, or financing condition. Estimated payments are not a loan offer, pre-qualification, or approval. Actual payments will depend on the loan amount, interest rate, loan term, and any additional fees charged by your lender.

Down Payment Requirements

Many marine lenders require a down payment. Down payment requirements vary by lender, boat type, boat age, credit profile, and loan amount. Typical down payments for boat loans range from 10% to 30% or more. Higher down payments may improve your chances of approval and result in better loan terms. We do not guarantee any specific down payment requirement.

Used Boat and Private Party Financing

Financing availability for used boats and private party purchases may be more limited than for new boat purchases. Lenders may impose restrictions on boat age, loan-to-value ratio, minimum loan amounts, or boat condition for used boat financing. Not all lenders in our network finance private party transactions. Requirements vary by lender.

Bad Credit and Alternative Financing Options

Some lenders in our network may offer financing options for borrowers with lower credit scores or limited credit history. However, no website can guarantee boat loan approval for every borrower. Financing options for challenged credit situations typically involve higher interest rates, larger down payment requirements, and more restrictive loan terms. Final approval is always subject to lender underwriting.

Final Loan Documents Control

The final loan agreement, promissory note, and associated documents provided by your lender govern the terms of your loan. No information on this website supersedes or modifies the terms of any loan document you sign. Please review all loan documents carefully and consult a qualified professional if you have any questions before signing.

NMLS Disclosure

Diverse Offerings Finance is an NMLS-licensed entity. Marine lending partners in our network are independently licensed in their respective states. Licensing information for individual lenders is available upon request or through the NMLS Consumer Access website.

Contact Information

If you have questions about these disclosures or our services, please contact us: