Things to know about boat financing pre-approval

Applying for pre-approval can put you one step ahead while you’re shopping for your next boat. Here are a few things to know before you get started.

Save time

Apply online. If approved, you’ll get a pre-approval letter you can present to any participating dealer, streamlining your financing so you can hit the water sooner.

Quick application and response

Our easy online application takes just a few minutes to complete, and you’ll typically get an answer within about an hour.

New or used

You can use your U.S. Bank boat financing for a new or used boat purchased at a participating dealership.

Flexible financing

Your pre-approved financing amount is good for 60 days. You can negotiate your final purchase price and rate at the dealership.

What could your payment be?

Use this calculator to estimate what your monthly payment might look like.1

Keep in mind that the rate you qualify for depends on many factors, including your credit score, the term of the loan and the age of the boat you’re buying. You’ll negotiate your final rate with the dealer when you finalize your purchase.

Search participating dealerships.

Woman searching boat dealerships online with U.S. Bank

When dealerships participate in the U.S. Bank boat financing program, they can accept your pre-approval letter to streamline your financing. View our locator to find a dealership near you.

Find a dealership

Get started

Apply now
Call 800-342-4310
Make an appointment
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Disclosures

  1. This calculator is being provided for educational purposes only. The results are estimates and may not reflect final U.S. Bank financing terms. The information does not constitute an application for credit and cannot be used by U.S. Bank to determine a customer’s eligibility for a specific product or service.

  2. Monthly payment and annual percentage rate (APR) will vary based on the term, amount financed, model year, loan-to-value (LTV) percentage, credit history and applicable fees.

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U.S. Bank assists its customers by working with dealers across the nation. Financing pre-approval is only valid at a dealer with which U.S. Bank works. U.S. Bank is not affiliated with these dealers and makes no representations or warranties regarding the dealers, their inventory, related products or services. All vehicle and related product information included on this site is provided by the dealer, who is solely responsible for the content, representations about itself and the vehicle, including pricing, services and promotional statements. U.S. Bank does not endorse third-party products, services or other vehicle content. Any questions about the vehicle, pricing or related products should be directed to the dealer. The dealer will work with you to finalize financing terms.

The dealer may request your permission to obtain information from one or more credit reporting agencies. The dealer will ask for your photo identification (driver’s license) and/or other identifying documents. U.S. Bank reserves the right to withdraw an approval if your identity cannot be verified or if there have been changes in your credit status as of the date of sale.

Offers are subject to credit approval. Rates are subject to change. Additional restrictions may apply. Member FDIC.