Most marine lenders require 10-20% down on a boat loan. Some credit unions and specialty lenders offer 0-10% down programs for well-qualified borrowers, but these carry higher rates. A 20% down payment gives you the widest lender choice and the best rates. On a $40,000 boat, expect to put $4,000-$8,000 down at a minimum.
Insights, guides, and tips from the team at The Boat Broker - Lake Havasu's brokerage for boats, RVs, and classic cars since 1986.
More posts by this author →Lake Havasu on-water demo — pick a date and we’ll reach out to confirm.
Select an available date:
Select a time on :
Your contact information:
Please confirm your appointment:
We use cookies and similar tracking technology to remember your preferences, understand which listings you’re interested in, and follow up with you about boats you’ve viewed.
By continuing to use this site, you acknowledge this use. You can or opt out at any time.
By continuing, you agree to our Privacy Policy and consent to analytics tracking. Selecting “Got it” also enables advertising tracking. You may opt out at any time.
Privacy Policy • Do Not Sell or Share My Personal Information
We track which listings you view and how you engage with our site. This information is used only by The Boat Broker to follow up with you about listings you’ve shown interest in. We do not sell this data.
If you’ve provided your phone number or email, we may follow up by text or email. You can opt out of these at any time by replying STOP (SMS) or using the unsubscribe link (email).
Welcome to The Boat Broker! I'm Skippy. Boats, RVs, classics — what catches your eye?
Come see it in person. We'll have it ready for you.
We'll reach out shortly to confirm your visit. See you soon!
Quick pre-qualification. No impact to your credit score.
Our finance team will reach out within 1 business day with your options.
Havasu's largest brokerage. We sell it, you get paid.
Our consignment team will contact you within 24 hours to discuss next steps.
