Personal Service, Low Rates, Lending Experts
Rates as low as 6.49%*
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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!

Sterling Associates Team
Responsive, personalized service

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

The best rates on the market

We work closely with more than 21 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

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

5 Year ARM From $100,000
Rates as low as
3 Year ARM From $100,000
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
20 years max.
15 years max.
15 years max.
12 years max.

Calculate Your Loan

How to get started?

Call and speak to one of our financing experts

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.

Call Now

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.

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Find a local representative, coast to coast

In addition to our own staff of experts, Sterling has offices and financing experts across the country.

Find Now


You have questions, we have answers.

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Tax Deductibility of Interest on Boat Loans

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Benefits of Financing your Boat

More Boat, Less Monthly Boat buyers have many choices when it comes to paying for their purchase. Here are [...]

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49 Church St
Whitinsville, MA 01588
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