Boats Up To 30 Years Old
Eligible used boats may qualify within the collateral age limit.
Financing For Your Next Adventure
Used & Older Boat Financing
A great boat does not have to be brand-new.Adventure offers financing options for eligible used boats, including boats up to 30 years old. Buy from a dealer or private seller and get real help from application through funding.
Dealer Or Private Seller
Explore options for more than one way to buy your boat.
Real People, Real Help
A loan specialist is available throughout the process.
More Boats Within Reach
Finance the boat that fits your life
A well-kept used boat can offer years of time on the water. Our team helps make age, value, purchase details, and documentation easier to navigate.
- Eligible used boats with a maximum collateral age of 30 years
- Purchases from participating dealers or eligible private sellers
- Financing options starting at $5,000
- Many approval options for a wide range of credit profiles
Why Buyers Choose Adventure
Experience that goes beyond brand-new boats
We help you understand how the boat, purchase price, documents, and credit profile fit available financing programs.
Older-boat experience
Used boats require a different conversation than new inventory.
Flexible purchase options
Eligible dealer and private-party purchases may be considered.
Clear next steps
We explain what is needed to keep the purchase moving.
Someone answers
You have a real person to call from application through funding.
What Lenders Commonly Review
More than the model year
Final requirements vary by bank and transaction, but these details commonly help determine eligibility and available terms.
Age & Details
Year, make, model, boat, motor, trailer, and hull information.
The boat
Price & Value
Purchase agreement, agreed price, condition, equipment, and valuation information.
The purchase
Documents & Profile
Application, title or registration, driver license, and insurance before funding.
The file
Repower Motors
Finance the power you need with a new or replacement outboard motor.
Explore repower financing →
RV Loans
Financing for eligible motorhomes, travel trailers, fifth wheels, and more.
Explore RV financing →Financing Terms
Terms that fit your purchase
Available terms depend on the amount financed, lender guidelines, collateral, and applicant credit profile.
Maximum collateral age is 30 years, and the maximum loan term is 20 years.
See What You Qualify For| Loan Amount | Term Available |
|---|---|
| $5,000-$14,999 | Up to 120 months |
| $15,000-$24,999 | Up to 144 months |
| $25,000-$49,999 | Up to 180 months |
| $50,000+ | Up to 240 months |
How It Works
From used-boat search to funding
Apply Securely
Submit a simple, secure application with the basic purchase details.
Review Options
Our team reviews available financing and explains next steps.
Complete Documents
Provide the required purchase, identity, insurance, and loan documents.
Complete Funding
After lender requirements are satisfied, the purchase moves to funding.
Monthly Payment Estimator
Estimate your used-boat payment
Estimated Monthly Payment
This is an illustrative estimate, not a financing offer. Actual APR and terms vary based on credit profile and lender.
used-boat buyers ask us
Questions used-boat buyers ask us
How old can the boat be?
The general maximum collateral age is 30 years. Final eligibility depends on the bank, boat, value, complete application, and transaction details.
Can I finance a boat from a private seller?
Yes, private-party financing may be available for eligible used-boat purchases.
Does an older boat need a valuation?
Lenders commonly review available boat, motor, and trailer valuation information along with price and condition.
Can I pay the loan off early?
The programs Adventure offers do not have prepayment penalties, and auto-pay is available with all banks.
Found the right used boat?
Start your pre-qualification online, or call a specialist to talk through the boat, seller, and next steps.
