Can I Refinance a Boat Loan?

Yes, you can. Seacoast Bank offers refinancing options to help you potentially lower your interest rate or extend your loan term.

How Long Does It Take to Get a Boat Loan?

Our streamlined process allows for quick decisions. In many cases, you should receive a loan approval within one business day after applying. However, keep in mind that while approval may be given, the distribution of funds may take up to an additional week.

How Do I Find Local Boat Loan Rates?

Seacoast Bank offers competitive rates for boat loans, which are updated regularly. You can view the most current rates on our website or contact our personal lenders, who can provide personalized rate information and Florida boat financing options.

Are There Credit Requirements or Limitations for Boat Loans?

Yes, a credit check is typically part of the application process. Having good credit can qualify you for better rates and terms.

What Do I Need to Apply?

At Seacoast Bank, we've streamlined the application process to get you on the water quickly. To get started, simply gather the following information: Driver's License: We'll need a copy of your valid driver's license for identification purposes. Proof of Income: Recent pay stubs, W-2s or other documents verifying your income will help us determine your loan eligibility. Collateral Information (if applicable): For secured loans, you'll need details about the boat you're financing, including the manufacturer, model year and value. Estimated Boat Cost: Be sure to include the total purchase price, any warranties you plan to add and estimated taxes and fees to get the most accurate loan amount.

New & Used Florida Boat Loan Financing

Seacoast Boat & Yacht Loan Features

Flexible Lending Options

Yacht, New Boat & Used Boat Loans - Whether you’re setting your sights on a sleek yacht, a brand-new fishing boat or a gently used cruiser, we have the Florida boat financing solution for you
Financing Beyond Purchase - Your boat ownership journey doesn’t stop at buying the vessel. We can also help you finance essential aspects like refinancing an existing boat loan, constructing a custom boat, refitting your current watercraft or even registering and delivering your boat offshore

Fast Application Process

We understand that getting out on the water is your priority. That’s why we’ve designed a fast and efficient loan application process.

Simple Application - Our online application is straightforward and easy to navigate
Quick Decisions - We leverage technology to expedite the decision process, so you won’t be waiting weeks to find out if you’re approved
Digital Convenience - Enjoy the ease of uploading documents and signing electronically, saving you valuable time and effort
Rapid Funding - Once approved, you’ll receive the funds quickly to secure your dream boat and hit the water sooner

Applying for Your Boat or Yacht Loan or Refinancing Is Simple

At Seacoast Bank, we understand that navigating the loan application process shouldn’t slow down your dreams of boating bliss. That’s why we’ve made applying for your Seacoast Boat & Yacht Loan quick and hassle-free.

Apply Now >

Gather Your Info: Before beginning your application, ensure you have the necessary documents ready. You’ll need your driver’s license information, proof of income, collateral details and the approximate selling price or value of the vessel.
Begin Your Application: Click “Apply Now” below to create a secure account and submit your information online. You can even save your application and return to it later if needed.
Done: That wasn’t so bad, right? A local, Florida lender will follow up with you in one business day or less on your loan status.