Why Finance with Us?
Let us cross your “t’s” and dot your “i's”! Boat Town’s finance department is dedicated to offering our customers the best possible financing options available in the market today. We have partnered with a variety of lenders to ensure that we have a program that fits your needs. We represent only top-rated extended warranty providers. Boat Town will also connect you with one of the most reputable marine insurers in the country. From start to finish, our finance department will work hard to guarantee you a fast hassle-free boat buying experience.
At Boat Town, we are boating and watersports enthusiasts, and there’s nothing we enjoy more than helping our customers find the kind of fun and adventure that a quality boat can bring. If you’re considering financing a new boat from quality brands, you’re in good hands with our finance department. We are thrilled to get the opportunity to help you set up a financing plan that gets you out on the water as soon as possible.
Can I finance both new and used boats?
Yes. Boat Town offers financing for both new and pre-owned boats for qualified buyers. Whether you're purchasing a brand-new MasterCraft, Barletta, Cobalt, Chris-Craft, or Flamingo, or choosing from our inventory of inspected pre-owned boats, our finance team works with multiple lending partners to help find competitive rates and payment options that fit your budget.
What credit score do I need to finance a boat?
Boat financing approvals depend on several factors, including credit history, income, debt-to-income ratio, down payment, and the boat you're purchasing. While higher credit scores may qualify for more favorable rates, buyers with a wide range of financial backgrounds may still have financing options available. Our finance specialists work with multiple lenders to help find the best solution for your situation.
How much should I put down on a boat?
Down payment requirements vary depending on the lender, the boat, and your individual financial profile. While some buyers choose to make a larger down payment to lower their monthly payments, others may qualify with a smaller amount down. Our finance team can explain your available options and help structure a payment plan that fits your goals.
Can I finance the boat trailer, accessories, or extended warranty?
In many cases, yes. Qualified buyers may be able to include eligible trailers, marine electronics, accessories, protection plans, and extended service contracts as part of their financing package. Bundling these items into your loan may reduce upfront costs while helping protect your investment.
Can I trade in my current boat when financing a new one?
Absolutely. Boat Town accepts trade-ins on many makes and models. The value of your trade-in may be applied toward the purchase of your next boat, which can reduce the amount you need to finance and simplify the buying process.
How long are boat loans?
Boat loan terms vary depending on the purchase price, lender, and buyer qualifications. Many recreational boat loans offer extended repayment terms, helping keep monthly payments affordable. Our finance team will explain your available options and help you compare terms from multiple lenders.
Can I get pre-approved for boat financing before choosing a boat?
Yes. Getting pre-approved is a great way to understand your budget before you begin shopping. It can help you narrow your search, compare boats with confidence, and streamline the buying process once you've found the right model.
Should I finance through the dealer or directly through my bank?
Boat Town works with a network of marine lenders that specialize in recreational boat financing. This allows us to compare financing options, explain available loan structures, and help qualified buyers find competitive rates and terms without having to shop multiple lenders on their own.
CURRENT HOURS
Tuesday-Friday: 9am-6pm
Saturday: 9am-5pm
Sunday & Monday: Closed
ATX: (512) 892 - 2220 | LBJ: (325) 388 - 4343 | NBTX: (830) 365 - 0002