Low Rates and Flexible Terms

What sets SeaDream apart from other boat financing companies? Not only are we a full service marine lender with the lowest boat loan rates nationwide, but we also offer the most personalized service in the industry. Our primary goal is to tailor a finance package to meet your individual needs.

Whether it is a new or used boat loan, refinancing, even a bad credit boat loan, our staff of experienced boat finance professionals will work with you, one-to-one, every step of the way to ensure your satisfaction.

We offer a variety of boat financing programs including:

Boat Loan

• Simple Interest, Fixed Rate, No Pre-Payment Penalty Financing Programs
• Extended Term Programs
• Stated Income Programs
• Zero Down Payment Programs
• Deferred First Payment Programs
• Short Term Fixed and Variable Interest Rate Programs
• LLC’s, Trusts
• Engine Repower Programs

Applying for financing has never been easier. To submit a loan application please select from one of the three options below.

Applying for a Boat Loan

(Please note the minimum amount we finance is $10,000.)

1. To Apply Online Using Our Quick Secure Application –
Online Boat Loan Application

2. To Apply Using a Printable Application Forms –
Boat Loan Application
Personal Financial Statement (Complete only for boat loans in excess of $100,000.)
• Download the Application Form
• Print and Fill Out the Application Form
• Then Fax or email the Application Form to SeaDream, Inc. @ 1.949.515.0055

3. To Apply By Phone
Contact a SeaDream, Inc. Loan Representative at 949-515-0055
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Current Boat Loan Rates Start At :
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SeaDream Loans

With our nationwide network of lending partners we have the financial flexibility to offer you the best solution for your individual needs. Unlike many other lenders we don’t force our clients into non-standard boat loan structures that work great for the bank but not necessarily for you.

Frequently Asked Questions

How long are boat loans usually?

For bad credit loans the maximum term length is typically 15 years. For those with excellent credit you can get terms up to 20 years.

What is the average interest rate for a boat loan?

Current boat loan rates range from 4.5% to 17.95%. Boat loan interest rates vary greatly based on a number of factors, including credit score, loan length, and age of boat among others.

What is the minimum credit score for a boat loan?

Although it is sometimes possible to qualify for a boat loan with FICO credit scores in the 500s, generally you will need 600+ along with a low debt to income ratio to qualify. If you think you qualify you can apply for a loan online today.

How much do I need to put down on a bad credit boat loan?

To qualify for a boat loan with bad credit you need to put down a minimum of 10% and the boat must be less than 15 years old.

Can you finance a used boat?

Yes, financing is available for both new and used boats. The primary factor for financing a used boat is the age of the vessel. Typically boats can’t be older than 15 years if you want to finance the purchase. You can apply online today.