Boat Loan Rates - Good Sam Finance Center

Good Sam boat Loan Rates

Shop for today's lowest APR*

As of Dec 07, 2021, we offer rates as low as:

Loan Term
Loan Amount 4-Year 5-Year 7-Year 10-Year 12-Year 15-Year 17-Year 20-Year
$50,000 - $5,000,000 3.74% 3.74% 3.99% 4.29% 4.39% 4.49% 4.54% 4.59%
$25,000 - $49,999 4.74% 4.74% 4.99% 5.29% 5.59% 5.79%
$15,000 - $24,999 7.84% 7.84% 8.09% 8.29% 8.39%
$10,000 - $14,999 8.34% 8.34% 8.59% 8.79% 9.39%
Loan Term
Loan Amount 4-Year 5-Year 7-Year 10-Year 12-Year 15-Year 17-Year 20-Year
$50,000 - $5,000,000 3.74% 3.74% 3.99% 4.29% 4.39% 4.49% 4.54% 4.59%
$25,000 - $49,999 4.74% 4.74% 4.99% 5.29% 5.59% 5.79%
$15,000 - $24,999 7.84% 7.84% 8.09% 8.29% 8.39%
$10,000 - $14,999 8.34% 8.34% 8.59% 8.79% 9.39%
Loan Term
Loan Amount 4-Year 5-Year 7-Year 10-Year 12-Year 15-Year 17-Year 20-Year
$50,000 - $5,000,000 3.74% 3.74% 3.99% 4.29% 4.39% 4.49% 4.54% 4.59%
$25,000 - $49,999 4.74% 4.74% 4.99% 5.29% 5.59% 5.79%
$15,000 - $24,999 7.84% 7.84% 8.09% 8.29% 8.39%
$10,000 - $14,999 8.34% 8.34% 8.59% 8.79% 9.39%
Loan Term
Loan Amount 4-Year 5-Year 6-Year 7-Year 8-Year 10-Year 12-Year 15-Year 17-Year 20-Year
$50,000 - $5,000,000 3.49% 3.59% 3.69% 3.69% 3.79% 3.86% 3.96% 3.96% 3.96% 3.96%
$25,000 - $49,999 3.49% 3.59% 3.69% 3.69% 3.79% 3.86% 3.96% 3.96%
Financing your boat with Good Sam Important Disclosures

Boat loan payment calculator

Estimate your monthly payment based on the boat you want to buy and your specific loan needs.

This model year will add 0.25% to your APR
$

My boat is also a (select all that apply) Not applicable for liveaboard usage

Houseboat will add 0.5% to your APR High-performance boat will add 0.5% to your APR 100% electric motor boat will subtract 0.25% from your APR

Here's what your monthly payment might look like:

$__

_.__% APR

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Important Disclosures

*Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other charges and fees.

For example: a new purchase recreational use boat loan in the amount of $65,399 (which includes a $399 processing fee) with a 5-year loan term at a fixed interest rate of 3.49% would have an APR of 3.74% and 60 monthly payments of $1,189.46. This is only one example, and the APR and processing fee may differ for your specific transaction. Loans with longer terms may have higher rates.

  • APR applied to the loan is the APR in effect on the date the application is received and is valid for 60 days.
  • Individual rate may vary based on loan amount, loan term, vessel use, model, year, and type of boat.
  • Boat must be 2001 model year or newer; for boat model year 2001 to 2010, add 0.25% to listed rates. For houseboats or high-performance boats, add 0.50% to the listed rates. Reduce 0.25% from listed rates for 100% electric motor boats. Each rate adjustment applies independently; multiple rate adjustments may apply for a single request.
  • Minimum loan amount for pleasure/recreational use is $10,000. Minimum loan amount for primary resident (liveaboard) use is $25,000.
  • Maximum loan term is based on loan amount. Maximum loan amount is calculated using an advance percentage determined by credit score.
  • 700 minimum credit score required. Credit score may vary depending on credit reporting agency.
  • Rates are subject to consumer loan program requirements and credit approval. Certain fees, closing costs, and restrictions may apply.
  • Rates and terms may vary with market conditions and are subject to change without notice.
  • In Puerto Rico, boat must be U.S. Coast Guard documented.