Person on a boat filming another person surfing behind the boat.

Boat Loans

Smooth sailing ahead with a OneMain boat loan

Whether you’re buying a boat, tackling a repair or other costs of boating life, we’ve got you covered. Apply today for a boat loan from $1,500 - $20,000.1

Check for offers

This won’t affect your credit score.

What you get with every OneMain boat loan

Icon showing calculator on top of a piece of bill

Loans that work for your budget

Fixed payments and clear, upfront terms.

Icon showing a dollar bill with a stop watch

Money right when you need it

Quick decision. Money as fast as 1 hour after loan closing.2

Icon showing two hands performing a 'high five'

Support from start to finish

Real people in branches, on the phone and ready to help online.

2 people on a boat in the mountains, looking off the right side of the boat.

Set your sights on the open water with a boat loan

A boat loan from OneMain can give you the money you need to purchase a new or used boat, keep up with repairs and related costs – and help ensure that your boating experience is a breeze.

From application to anchor down, OneMain is here to help propel your journey forward. See below if you’re prequalified for a boat loan.

Check for offers

Checking won’t affect your credit score.

What is a boat loan and what can it be used for?

Beyond buying a boat, a boat loan can be used to fund almost any boat-related expense.3 For example, you could use a boat loan to cover the cost of mooring it at your local marina, funding slip fees, keeping up with regular maintenance and handling unexpected repairs.

Why should I choose OneMain for boat financing?

The best boat loans offer fixed interest rates and fixed monthly payments that can help you cruise with confidence. At OneMain, we’ll work with you one-on-one to help you find a loan to fit your needs.

And we offer budget-building resources, free credit score tracking and savings tools to help you grow your money know-how through boating season and beyond.

See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.3,4

Man sitting in drivers seat of car smiling with salesperson standing in open door
Auto purchase loans
Middle aged couple hugging outside of home near the front steps
Debt consolidation
A man and woman holding blue buckets to catch water leaking from ceiling
Emergency loans
Man and woman driving in a older two seat convertible while the woman holds her hands up enjoying the ride
Auto refinance loans
A doctor sitting down with a male patient in a medical office going over the patients chart
Medical loans
Man and woman leaning on a blue car on a nice day next to a body of water with hills in the background
Cash out refinance
Man and a Woman working together on a home improvement project laying floor tiles
Home improvement
An adult helping a child take a box out of a moving truck
Moving loans
A newly married couple embracing each other and dancing at their wedding
Wedding loans
A man with protective eyewear stands under a raised car to perform maintenance on it while another man talks with a customer in the background
Auto repair loans
A man in the pool with his arms out ready to catch his daughter jumping into the pool
Pool loans
A family of four walking on the beach while the man carries a child on his shoulders and the woman holds hands with a child
Vacation loans
A woman fixing a raised motorcycle
Motorcycle loans
'Two women smiling and enjoying themselves while setting up camp around their RV
RV loans
Two men riding a smaller boat on a lake with mountains in the background
Boat loans
flowers
Funeral loans
Check for offers

This won’t affect your credit score.

Customers have relied on OneMain for over 100 years

Here are some of our favorite shoutouts.5

trustpilot-logo

Need more info on boat loans? You've come to the right place:

Hand holding money, palm facing upwards

9 Different Types of Personal Loans to Know

Read More
Parent and Child in a tent

Ways to Save on Summer Travel

Read More
Person jumping out of boat into water at sunset.

Low-Cost Summer Acitivities

Read More

Answers to common customer questions

At OneMain, each customer’s boat loan interest rate and terms are offered based on a variety of factors including credit history, income, expenses, availability and value of collateral (if applicable) and ability to repay the loan.

Please note: if a borrower defaults on a secured loan, the lender has the right to take the collateral.

If you believe this is the best time to buy a boat, a personal loan from OneMain can help. Additionally, you can use the boat loan to cover mooring costs, slip fees, regular maintenance and unexpected repairs, too.

The length of the repayment period for a boat loan varies by customer, but OneMain Financial boat loans typically have repayment terms of 2-5 years.

Other lenders may have different ways of evaluating applicants, but at OneMain, we work with a wide range of customer credit scores and take your whole financial picture into account to help you find a loan that’s right for you.

From the start of the application to receiving the funds could be as quick as one day.*

  • Completing the online loan application: Takes just minutes to complete and see your offers.*
  • Signing your loan documents: After final loan approval, signing your closing documents takes about 30-45 minutes.
  • Receiving your funds: When using your debit card to receive funds, you can get your money as soon as an hour after signing the loan docs.4 Funds can also be paid out by direct deposit (ACH), which are available approximately 1-2 banking days after loan closing. A check can be issued as soon as the same day as the closing.

*Timing may vary based on: when you submit your application, how many documents are needed for approval, and how long it takes for OneMain to receive, review, and verify those documents, and whether your loan is secured by collateral, among other factors.

More questions? Check out more FAQs.