Skip to main content

BOAT LOANS

Hit the water in your own boat.

Check For Offers

This won’t affect your credit score.

Get the funds you need to start making waves.1

Whether you dream of cruising fast in a speedboat or fishing all day in a pontoon, a boat loan could help you cast off.

What is a boat loan?

A boat loan is a personal loan used to buy any type of recreational boat, such as a motorboat, sailboat or fishing boat. In some states you may even use the boat you purchase as collateral for the loan. You can also use the money to pay for other costs of living the boat life, like dock fees, maintenance, repairs and winterizing.2 And by choosing to finance your new or used boat with a personal loan, you can get on the water now and make payments over time.

Why should I choose OneMain for boat financing?

At OneMain, we understand you may be anxious to set sail or fire up your outboard motor. Our loan experts will work with you one-on-one to find a personal loan that works for you in a timely manner. And with fixed interest rates and fixed monthly payments, you’ll know exactly what to expect. Plus, this isn’t our maiden voyage. We’ve been a trusted lender for over 100 years.

Ready to pull anchor and get going? Apply for a OneMain personal loan now!

Benefits of a boat loan include:

Calendar

Fixed monthly payments

Calculator

Fixed interest rate

Money

No prepayment fees

We can make boat financing smooth sailing.Apply for a OneMain personal loan now.

Check for Offers

This won’t affect your credit score.

Find a Branch

Real stories of how OneMain helps its customers.3

“Fast and friendly loan service. Good terms and a fair interest rate. No pressure at any time. Excellent service and quick closing of the loan. I would recommend OneMain Financial.”3

— Michael F., 5/1/19

“My experience with OneMain Financial has been great, you have always been there for me whenever I needed help. You are understanding and willing to go that extra mile to help. OneMain is more than Financial they are a friend.”3

— Shirley S., 4/25/19

3 These customer testimonials reflect individuals' personal experiences, so you may not have the same results

Want to learn more about personal loans?These can help:

Credit Cards
What Lenders Look for When Deciding if You're Creditworthy
A couple hugging
What is an Installment Loan?
Car driving around a curve
What's the Difference Between a Secured and Unsecured Loan?

Looking for something else? Check out these other uses for personal loans.2

Piggy Bank

Debt Consolidation4

Two People

Life Events

Boat

Recreation

Car

Auto Loans

Home

Home Projects

Copyright © 1996-2019, All rights reserved.

1 Not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than eight years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APR’s are generally higher on loans not secured by a vehicle. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Florida: $8,000. Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. Texas: $8,000. West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

2 OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university, or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal activities.

4 Important Notice About Refinancing or Debt Consolidation: When you refinance or consolidate your existing debts, your total finance charges over the life of the new loan may be higher than for your current debt(s) because your interest rate may be higher and/or your loan term may be longer.

For Housing Counselors in the State of Washington, please email us at the following link in regards to your customers loan modification status: REModifications@onemainfinancial.com. Please ensure your customer has provided us with authorization to work with you.

CA: OneMain Financial Group, LLC - Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License. NH: OneMain Financial Group, LLC – NMLS # 1339418. PA: OneMain Financial Group, LLC – Licensed by the Pennsylvania Department of Banking and Securities.

For residents of the State of Washington only: OneMain Financial Group, LLC – Consumer Loan Company License – NMLS # 1339418. Click here for the NMLS Consumer Access Database.

If you are using a screen reader and are having problems using the website please call 800-742-5465 for assistance.