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canada's top financing choice for pre-owned watercraft loans - boats & jet skis - options for bad credit

Used Fishing Boat on the water with an angler catching a fish

life is better on the water.

with thousands of new and preowned boats and watercraft for sale on KIJIJI, Facebook marketplace and other marine dealers, you're the captain of what you buy.

we'll provide the loan approval so you can pick the new or used atv near you that fits your needs and budget.

Western Canada Mountains

flexible loan options for all

lenders that approve older model years over 10 years

top WATERCRAFT financing rates available in canada

all major BOAT AND PWC makes and models accepted

approvals for self employed & contractors

$0 down financing on most approvals

Refinance Options May Be Available

short time at the job accepted

loan options for bad credit


ALL major WATERCRAFT makes approved

our lending network provides financing for all major hin stamped makes including, but not limited to, princess, regal, riva, rodman, sealine, sea-ray, sunseeker, chaparral, lund, mastercraft, seadoo, tracker, bertram, mirrocraft, thresher, triton, ALUMACRAFT, PRINCECRAFT, CAMPION, BAYLINER, GLASTRON, YAMAHA, TIGE, HEYDAY, TAHOE, LOWE, SPLENDOR, SUN TRACKER, FOUR WINNS, MONTEREY, AND KAWASAKI.  all models accepted.


What credit score is needed to finance a Boat?

No minimum credit score is required to secure a boat or watercraft loan. Lenders typically evaluate other factors besides credit score when deciding whether to grant you a loan, including prior payment history, debt service ratio, and length of employment.

What interest rates are available for boats & jet skis?

You can get a boat or watercraft loan starting at 6.9% interest with the most reliable lenders in Canada. The rate ranges for a loan are typically between 6.9% and 9.9% with excellent credit, 12.9% to 17.9% with average credit, and at minimum 19.9% with bad credit.

What term lengths are offered for marine financing?

Your lender will structure your loan based on your payment goals and affordability. Boat and watercraft loans are usually available from 5 to 8 years. Some lenders offer loans as short as 2 years for lower priced units or as long as 15 years for more expensive models.

Is it difficult to get financed for a boat or watercraft with bad credit?

With many options available today, getting marine financing is fairly straightforward, even if you have bad credit history. whether you have poor or no credit history at all, there may be a lender willing to give you a loan for a new boat or watercraft.

Can you build credit with a boat or watercraft loan?

When payments are made on time, a boat loan can help you build credit. An installment loan is a great way to prove your credit worth, since most Canadian lenders report to your bureau.