Boat financing
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.
Indicative simulator
Indicative estimate, non-binding. The final instalment depends on the lender and your profile.
Estimated monthly payment:
Indicative simulation, non-binding.
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.