What to Expect
We finance the full range of the market: entry powerboats and pontoons, center consoles and fishing boats, express and cabin cruisers, and motoryachts into the multi-million dollar range. Loan amounts start at $25,000 and extend past $10M for the right boat and buyer. New, pre-owned, or refinance, the financing is built around the deal in front of you, not a product type.
LENDER NETWORK
Behind every New Horizon program is a group of marine lenders we work with directly. These relationships were built over three decades of steady transaction volume, with lenders who understand boats and who look at your complete picture, not just a credit score. That access is yours when you work with us, and it changes what's possible for your deal.
PROGRAM APPROACH
Most boat financing routes your application to the nearest available product. We start somewhere different: with your complete picture, the specific boat you're buying, and the ownership structure that fits your situation. Credit matters, but it's one input among several. Income type, loan-to-value, the boat itself, and down payment all shape what's available. We look at the whole thing before we approach a single lender.
What We Finance
If your exact situation isn't represented on these lists, or falls outside a standard profile, reach out.
Vessels
Powerboats and Sportboats
High Performance Vessels
Center Console Boats
Pontoon Boats
Fishing Boats
(bass, bay, flats, and offshore)Bowriders and Deck Boats
Express Cruisers and Cabin Cruisers
Motor Yachts
Sailing Vessels
Catamarans
Trawlers
Ownership Types
New Boat Purchases
(dealer)Pre-Owned Boat Purchases
(dealer, private party, brokerage)Refinancing Existing Boat Loans
LLC and Trust Ownership Structures
Limited Charter Use
What Differentiates Us From The Others
The New Horizon Approach
We understand how boats & Yachts are valued
A boat loan isn’t the same as a car loan. Boats are worth different things depending on age, condition, and checks of the hull and engine. Lenders also care about the boat’s type, size, and how you’ll use it.
We figure all that out first so your loan is set up the right way before we talk to lenders. You’ll understand every detail, not just the rate.
THE SITUATIONS MOST LENDERS AVOID ARE THE ONES WE'RE BUILT FOR
Self-employed? Montana LLC or trust owner? Buying a unique boat? Need a non-standard closing date? Been turned down by a bank? We specialize in loans built around your situation, not just a credit-score product.
If your bank said no or gave you a number that didn't work for you, that's often where our clients' conversations with us begin.
YOU'LL UNDERSTAND EVERY TERM BEFORE YOU SIGNing
Boat loans can be confusing. Rates, loan-to-value, surveys, insurance rules, and closing steps are often skipped over. We explain every rate, every term, and why each choice was made.
If any detail isn’t quite right, we’ll efficiently revise with the lender before you sign. Nothing at closing will be a surprise.
You've identified the boat. Let us tailor the financing that works for you.
More questions? We've answered the most common ones on our FAQ page. If yours isn't there, the fastest path to an answer is a direct conversation with our team.
A New Horizon Advisor will follow up within one business day.
No credit pull. No obligation.