Seacoast Bank finances all aspects of boat ownership. Whether you are looking to purchase or refinance a new boat or a used boat or need financing for construction, refit, offshore registry and foreign delivery, Seacoast will help get you sailing on your boat ownership dreams.
Getting started is easy; with our quick and easy online application process, flexible options,
and our boat financing experts ready to help, you'll be sailing into the sunset in no time.
Driver’s license information
Approximate selling price/value
Use the secure online
application to submit
A local Florida lender will
follow up in one business day or less on the status of your loan.
What are the average terms for a boat loan?
While the terms for boat financing can range from 12 months to 15 years, the average boat loan is between 2 – 15 years.
Can I get a loan for a used boat?
Yes, Seacoast Bank offers loans for new and used boats.
How much can I afford?
Use our Boat Loan Calculator to estimate your monthly loan payments.
How much of a down payment do I need for a boat?
Seacoast Bank offers financing for up to 80% of the Boat cost meaning you will need to put down 20% of the purchase cost as your down payment.
Can I prequalify for a boat loan?
Yes, if you are still shopping for your boat, getting prequalified helps strengthen your negotiating position by positioning you as a “cash buyer” to the seller. A preapproval is an offer to lend but not a commitment to lend. It’s valid for 90 days and can help your secure the best interest rate for your future purchase. Get Pre-Approved Now »
Can I finance any taxes, title, registration and/or loan processing fees?
Yes, taxes, title, registration and/or loan processing fees may be included in your loan amount subject to the loan amount meeting our LTV (loan-to-value) guidelines. You may also choose to pay for them out of pocket; in which case, payment must be received prior to funding your loan.
If I am approved, how long will it take to fund my loan?
You can expect your loan to fund approximately 10-14 business days after loan approval and receipt of all requested documents.
Is there a pre-payment penalty on loans?
Customers may pay without penalty all or a portion of the amount owed earlier than it is due.