Axos Marine Finance
Navigate confidently with trusted marine financing.
Dream of exploring the open water? Make it a reality with our new or used boat loans. Competitive rates, flexible terms, and our fast application process quickly put you on the path to smooth sailing.
Flexible loans for every type of boater.
Better financing. Better boating.
Elevate your boating experience with loans designed to meet your needs. Our dedicated team is here to provide expert support at every turn.
- Get fast preapprovals to shop for a new boat with confidence.
- Explore options for personal use, limited charter, or full-time charter.
- Choose individual ownership or a single-asset LLC.
Driven by expertise. Focused on you.
We make your loan process as easy and stress-free as possible.
Prequalification for clear financing options
Get prequalified and know your specific financing options for a smooth shopping experience.
Fast credit and financial assessments
No matter your credit situation, we get through assessments fast to get you on the water.
Loans with a personal touch
Real people take the time to understand your needs because your loan deserves better than an algorithm.
Seamless coordination through closing
We’re always here throughout the process to ensure you’re on the path to closing.
Apply online in minutes. It’s easy.
Master the seas with financing tailored to your needs.
We love boating even more than banking. We combine digital-banking knowledge with our marine expertise to get you from application to open water—fast. Our secure, online process trims the paperwork, protects your data, and delivers funding with precision. Ready to make some waves? Launch your boat loan today.
Why choose Axos Marine Finance?
We have loan experts who know boating, and our fully digital banking platform gives you the ultimate in convenience and security.
- Decades of industry experience mean you can trust our team.
- Fast and secure loan application process entirely online.
- Personalized service and support throughout your loan.
Calculate your boat loan payments.
Use our boat loan calculator to view your estimated monthly payments before you submit your application. Enter your loan amount, term, and interest rate to get an instant estimate on your boat loan. Whether you're buying a new or used boat, knowing your potential payment helps you plan with confidence and shop within your budget.
Estimate your monthly payments.
Follow three easy steps to get your loan.
Prepare your finances
Before applying, set yourself up for the best chance of approval and lower rates:
- Check your credit score.
- Keep credit utilization low (below 30%).
- Save for a down payment (10-20%).
Get preapproved
Preapproval gives you more options and makes for smoother shopping:
- Submit your application online.
- Get preapproved in minutes.
- Shop for your boat with confidence.
Gather your documents
Preapproval gives you more options and makes for smoother shopping:
- Tax returns
- Bank statements
- ID and proof of residence
Let’s talk
Our dedicated experts are here to answer your questions and help you set sail with a smooth and easy lending experience. Drop us a line anytime to start the conversation.
Marine Finance Frequently Asked Questions
What are the advantages of financing and what are my options?
Financing is a relatively low-cost way to preserve portfolio liquidity. We offer fixed-rate, 20-year loans as well as three- and five-year adjustable loans.
Can I finance a used boat?
Yes. We can finance boats up to 15 years old.
Can I finance a boat and put it in charter?
Yes. We allow vessels in charter full-time with an approved management company as well as limited charter (73 days per year or fewer).
Can I use an LLC for my boat?
Yes. We are happy to loan to a newly formed, single-asset LLC. We can even offer you a discount if you open an operating account for your LLC at Axos Bank.
Am I eligible for financing if I’m retired or don’t have a W2?
Yes. We offer asset depletion loans for those who do not have current W2 or 1099 income.