What percentage of the boat price can be financed?

Usually between 70% and 90% of the value, depending on the lender, the vessel's age and the applicant's profile.

How many years can a boat be financed for?

The most common terms range from 5 to 15 years, reaching up to 20 for higher-value new vessels.

What documentation do lenders require?

ID, recent payslips or tax return, and sometimes proof of other income or assets.

Can a second-hand boat be financed?

Yes, although the maximum term and financeable percentage usually depend on the vessel's age.

Is the simulator on this page a binding offer?

No. It is an indicative estimate; the final instalment depends on the lender, the risk profile and the terms signed.

Herramientas · Financiación

¿Cuánto cuesta al mes tener este barco?

La cuota es solo el principio. Calcula el préstamo con la fórmula a la vista — sin letra pequeña, como debe ser.

Precio del barco 10.000 €500.000 € Entrada 0%50% Plazo 1 año15 años Interés anual (TIN, sin comisiones) 3%12%

Apunte de a bordo: la cuota no es el coste. Suma amarre, seguro, varada anual y un 10% del valor en mantenimiento cada año. Lo contamos en este brico.

Cuota mensual estimada

€ /mes

Capital financiado
Total intereses
Coste total del préstamo

cuota = C · i / (1 − (1+i)^−n)
C = capital · i = TIN/12 · n = meses

Simulación orientativa, no vinculante. La cuota final depende de la entidad y tu perfil.

Financing products

New boat

Purchase loan

Up to 100% of the value, long terms and a fixed payment. The classic way to get a brand-new boat.

From 6.95% APR · up to 120 months

Used

Used-boat loan

For second-hand boats and jet skis with appraisal. Quick process, no surprises.

From 7.50% APR · up to 96 months

Leasing

Marine leasing →

Tax advantages for freelancers and charter companies. With a final purchase option.

Payment + residual · ask us

How it works

From the calculator to the boat keys

Simulate and apply

Choose the amount and term, and send us the application with the boat details.

Review in 48 h

We assess it and return firm terms: payment, APR and total.

Sign and sail

You sign, we handle the payment to the seller, and the boat is yours.

Buying a boat in instalments is common in the boating market: most lenders offer loans specifically for new and used vessels, with different terms from a personal loan.

At Fondear we help you understand how boat financing works and connect your request with the lenders and finance brokers we work with.

Guía

Frequently asked questions

What percentage of the boat price can be financed?: Usually between 70% and 90% of the value, depending on the lender, the vessel's age and the applicant's profile.
How many years can a boat be financed for?: The most common terms range from 5 to 15 years, reaching up to 20 for higher-value new vessels.
What documentation do lenders require?: ID, recent payslips or tax return, and sometimes proof of other income or assets.
Can a second-hand boat be financed?: Yes, although the maximum term and financeable percentage usually depend on the vessel's age.
Is the simulator on this page a binding offer?: No. It is an indicative estimate; the final instalment depends on the lender, the risk profile and the terms signed.

Solicitud

Request a no-obligation quote

Name *

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Boat to finance (make, model, length...) *

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Term (months) *

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