Boat Financing

You can finance new or pre-owned boats from all major brands we carry, including Cobalt, Nautique, Bennington, Chaparral, and Duckworth.

Yes! Our secure online credit application is available 24/7 and takes just a few minutes to complete.

Absolutely. We’ll walk you through extended coverage options and help you choose the right plan for your needs and budget.

Most buyers can finance their boat for up to 15 years (180 months), and some lenders offer terms up to 20 years (240 months) depending on the boat’s value and your credit profile.

Rates vary by lender and market conditions. The best way to know your current rate is to submit a credit application once you’ve selected your boat — we’ll shop the best rates for you.

Once you choose the boat that fits your needs, we’ll send your credit application to our network of marine lenders and present the best rate and term options available.

Yes! Tobler works with many local and national lenders. We can coordinate directly with your bank or credit union to simplify your purchase and handle the paperwork in one visit.

Most credit unions do not charge early payoff fees, while some national banks may charge a small penalty. We’ll explain all terms upfront before you sign.

Down payments depend on factors like credit score, loan amount, and lender. The easiest way to get an accurate estimate is to apply for financing on a specific boat.

Yes. Full coverage insurance is required and must be active when signing your purchase documents. Bring proof of coverage to your appointment.

If your boat is financed, insurance must remain active year-round, even in storage. This protects your investment and satisfies lender requirements.

Boat financing includes disclosures, licensing, and federal compliance forms. While the process isn’t as simple as it once was, Tobler Marina makes it easy by handling all the details for you so you can focus on the fun part: getting on the water.