Apply For Financing
Easy, Flexible Boat Financing With Inertia Marine.
At Inertia Marine, we believe getting on the water should be simple, affordable, and exciting, not bogged down by confusing loan terms or paperwork. Whether you’re eyeing the latest jet boat, a luxury cruiser, or your family’s first pontoon, our financing team is here to turn “someday” into “now”. With straightforward options, fast approvals, and support from real marine finance pros, we’ll help make it happen.
Fast, Streamlined Process
Our finance team is experienced, responsive, and ready to guide you through the application process from start to finish, so you can get on the water quickly and easily.
Competitive Rates
We work with leading marine lenders across the country to secure some of the most competitive boat loan rates available.
Flexible Loan Options
From short-term loans to extended payment plans, we offer flexible financing solutions for both new and pre-owned boats. You choose what fits your lifestyle and budget.
Boat Loan Payment Calculator
Calculate Your Monthly Payment
Whether this is your first boat or you’ve bought so many you’ve lost count, our boat loan payment calculator is a simple and quick tool to help you assess a price range you should target before you even start shopping for one. Get started with our Boat Loan Payment Calculator today!
Disclaimer: Results received from this calculator are designed for illustrative purposes only, accuracy is not guaranteed. Be sure to consult with a professional for an accurate estimate based on your unique financial circumstances.
FAQs
Frequently Asked Questions
Here are our most frequent questions when it comes to financing a boat. If you have another question, feel free to contact us here.
What are the benefits of financing with Inertia Marine?
Financing with SMG Boats lets you hit the water sooner without paying the full price upfront. We make it easy to break your purchase into affordable monthly payments, and financing can include extras like trailers, accessories, or service plans. This approach helps preserve your savings, gives you more buying power, and makes it easier to step into a newer or larger model.
Can I finance a used boat?
Yes! SMG Boats offers flexible financing options for both new and used boats. Our trusted lenders evaluate factors like the boat’s age, condition, and value to determine competitive loan terms. With great rates and customizable plans, financing a pre-owned boat can be just as straightforward as financing a brand-new one.
How much do I need for a down payment?
Most boat loans require a down payment of around 10–20% of the purchase price. The exact amount depends on factors like your credit score, the boat’s age, and lender requirements. A larger down payment can reduce your interest rate, lower your monthly payments, and increase your equity in the boat from the start.
Does pre-applying impact my credit?
Pre-qualification typically involves a soft credit check, which does not affect your credit score. Pre-approval, however, may require a hard inquiry, which could cause a small and temporary dip in your score. This is normal, and multiple inquiries made within a short period for the same type of loan are usually treated as a single inquiry.