The Sterling Difference
Sterling Associates has more than 30 years of experience in arranging financing for:
- New boats
- Used boats
- Refinancing boat loans
- Coast Guard documentation
- Boat insurance
We can help you navigate through this process, work with your financial advisor, and swiftly arrange the closing. You can be out on the water in your new boat in as little as 48 hours!
Responsive, personalized service
We want a long-term relationship with every customer. Not only to help arrange financing for this boat, but for the one after that and the one after that.
The best rates on the market
We work closely with more than 17 respected marine lenders to get the best possible rate for each boat loan. And we maintain relationships with manufacturers across the country who often offer special financing deals to new boat buyers.
Years of experience
We specialize in boat financing, and have for more than 30 years. Nobody understands the market better than us. That means you can be assured of getting the best service, the best rates and the best financial product possible.
Special Rate Boat Loans
From $100,000
3.80%
Rates as low as
From $100,000
3.99%
Rates as low as
*APR subject to change over loan term
*Rate is based on an evaluation of applicant credit. Rate is also based on the selected term, down payment (overall loan to value), year of vessel, and payment method. Values are determined from either MSRP or Factory Invoice for new boats and BUC/NADA book values or Survey values for used vessels. Your rate and total amount financed may vary from the stated rate and maximum financing.
Fixed Rate Boat Loans
$100,000 plus
3.99%
20 years max.
$50,000-$99,999
4.75%
15 years max.
$25,000-$49,000
5.25%
15 years max.
$15,000-$24,000
5.99%
12 years max.
Calculate Your Loan
How to get started?
Call and speak to one of our financing experts
800-286-8073
Our staff of experts has more than 250 years of financing experience. We’re happy to answer any questions you may have, discuss tax questions, coordinate with your financial, tax or legal advisors, and help guide you through the process.
Apply Online
We make it as easy as possible to apply for a new loan. We’ll tell you what documents you’ll need, and help you upload them securely to our office. Once the paperwork is done, we can get you a quote within 24 hours.
Apply NowFind a local representative, coast to coast
In addition to our own staff of experts, Sterling has offices and financing experts across the country.
Find NowFAQ
You have questions, we have answers.
Paying Cash is Paying Too Much
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Tax Deductibility of Interest on Boat Loans
Boat buyers have many choices when it comes to paying for their purchase, but do they always make the [...] Read More
Benefits of Financing your Boat
More Boat, Less Monthly Boat buyers have many choices when it comes to paying for their purchase. Here are [...] Read More
Latest Blog
Stay up-to-date on the world of boating and recreation as well as news about our company.
Sterling Associates Announces Management Transition
Shawn Rogan Moves Up to President; Founder Tom Smith to Become Senior Advisor
Navigating Boat Loans: Sterling Associates
We are pleased to recommend Sterling Associates in this Editor’s Choice as a company dedicated to the boating lifestyle [...]