Boat payment calculator

Use our financing payment calculator to estimate your monthly payment for a new or used boat you buy at a dealership.1

Calculate monthly boat payments

Enter a few details in the fields below, and we’ll show you examples of different loan terms, monthly payments and annual percentage rates (APR). Boat financing has a 12-month minimum term and $10,000 minimum amount. It’s available on boats up to 7 model years old.

Take the next step.

Shop for boats or apply for pre-approval so you know what you can spend at a participating dealership.

Find the right boat financing for you.

Finance new or used boats

You can shop with confidence when you start with a boat financing pre-approval.

Boat refinancing

You could lower your monthly payment or pay off your loan sooner while keeping the boat you love.

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  1. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect actual U.S. Bank product 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. Payment and annual percentage rate (APR) will vary based on the term, amount financed, year model, credit score, loan-to-value (LTV) percentage and applicable fees. Payment example: for a $75,000 amount financed on a current model year unit over a 240-month term at an APR of 10.24%, monthly payments would be $735.73.

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Offers are subject to credit qualifications including potential down payment requirements and maximum loan-to-value percentage. Rates are subject to change. Some additional restrictions may apply. Installment loans are offered through U.S. Bank National Association.