Boat Loan Calculator
$ 0.00/mo*

Cost of Boat I want


What's Your Credit Score?

Exceptional (800+)

Choose Your Loan Term

240 months

What is Your Down Payment?


No SSN Required. No impact on your credit report.

*Taxes and charges are not included in your estimated amount. This amount may be different than financing terms found throughout

*Based on a NaN% APR

Boat Loan Calculator

Use Boatzon's Boat Calculator to help you finance the boat you love and click the button below to pre-qualify for your loan.

Getting a boat loan with Boatzon is easy, fast, and gives you peace of mind.

check icon No SSN required to pre-qualify

check icon Our Pre-Qualification has no impact on your credit report

check icon Approvals as fast as 24 hours

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Boatzon Boat Calculator Overview

If you need a boat loan to cover the purchase of a new or used boat, the Boatzon loan calculator can help you determine what type of boat you can afford.

Use this boat loan calculator to estimate the cost of a personal loan used to finance a boat. Enter your expected loan amount, your estimated credit score, your down payment, and desired loan term months to see your estimated monthly payments.

Your estimated monthly payment for your loan will be displayed in the field above the calculator. If you are happy with your monthly payment calculation, proceed to the next step by clicking the "Get Pre-Qualified Now" button.

Cost of Boat or Loan Amount

This is the amount you expect to borrow. Boatzon offers secured and unsecured loans. Unsecured loans can be as high as $100,000, while secured loans can be up to 25 million. Keep in mind, taxes and charges may not be included in your estimated loan amount. This amount may be slightly different than financing terms at closing.


The annual percentage rate is the interest rate you expect to get on the loan. Some factors that determine your APR on a boat loan include whether it is a secured or unsecured loan, your credit score and history, your income, and existing debts or trade lines.


Down Payment

You can choose to pay an amount as a down payment for the boat purchase. In most cases, you’ll need to put 10-20% down on your purchase.

Loan Term

This is how long you think you’ll need to repay the loan. Unsecured loans often have repayment terms of two to seven years; secured boat loan terms can be as long as 20 years. Longer repayment terms typically mean lower monthly payments, but you'll pay more in total interest. A shorter loan term could reduce your costs in the long run, but it will likely raise your monthly payments.

Credit Score

Typically, a credit score of 700 and above is ideal for a boat loan, but a score in the upper-600 range should not be an issue. Many lenders can provide loans even if you have bad credit. However, you may have higher interest rates, lower loan amounts and repayment terms. Typically, anything under 630 is considered a bad credit rating and tend to have higher loan rates. Many lenders allow cosigned loans or join applications. These are loans where someone with better credit co-signs the loan with you. However, the person who cosigned for the loan is also responsible for the loan so if you default on the payment, it could hurt their credit as well as your own.

Your Pre-Qualification

Boatzon conducts a soft credit pull and does not negatively impact your credit report. Furthermore, your social security number is not required for this pre-qualification process. Boatzon pre-qualification quotes are based on information provided, your actual APR rate and loan term may vary based on the credit application review by the lender(s). Rates may vary based on FICO score, loan to value, open trade lines, as well as the model year and type of vessel.

Frequently Asked Questions

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