5.99% APR* Boat Financing: End-of-Season Promo
Buying a new, never-registered 2026 or 2027 model-year boat? From October 1 through December 31, 2026, RecLending is offering a promotional 5.99% APR* for qualified buyers. From center consoles to pontoons, all makes and models qualify.
Offer at a Glance
Promo Terms by Loan Amount
| Loan Amount | Max Term | APR* |
|---|---|---|
| $25,000 – $74,999 | Up to 144 months | 5.99% |
| $75,000 – $124,999 | Up to 180 months | 5.99% |
5% down payment required on all promo loans.
Who Qualifies
- New, never-registered boats
- 2026 and 2027 model years
- In-stock units at the dealer
- All makes and models, from center consoles to pontoons
- Tier 1 credit (740 minimum credit score)
- Loan applications from October 1 through December 31, 2026
- Not available to residents of California, New York or New Jersey
Example Payments
Examples are for illustration only and assume a 5% down payment has been made and no additional fees are financed. Taxes, fees and add-ons are not included. Your actual payment depends on your approved amount, term and final price. Want to try your own numbers? Use our Rate Calculator.
Why Buy Your Boat at the End of the Season?
As the boating season winds down, dealers are making room for next year's inventory. Pair end-of-season shopping with a promotional 5.99% APR and you can lock in a low rate on a brand-new 2026 or 2027 boat, then be ready to launch the day the water opens up next spring.
RecLending is a veteran-owned and operated company, and we're boaters ourselves. We'll work to make your financing simple, from application to the day you take delivery.
How to Get the 5.99% Promo Rate
Apply Online
Complete our secure online application in just a few minutes.
Talk With Our Team
A RecLending associate will call you to confirm your information, check promo eligibility and answer your questions.
Buy Your New Boat
We guide you from loan approval to the completion of your purchase before the promotion ends December 31.
Lock In 5.99% APR* Before December 31
This offer is only available for a limited time and may change or end without notice. Apply online today to see if you qualify.
5.99% Boat Loan Promo FAQs
When does the 5.99% APR promotion run?
The promotion runs from October 1 through December 31, 2026. It is subject to change and may end without notice.
Which boats qualify for the promo rate?
New, never-registered, in-stock 2026 and 2027 model-year boats. All makes and models qualify, from center consoles to pontoons.
Does the promo apply to used boats?
No. The 5.99% promotional rate is only for new, never-registered 2026 and 2027 model-year boats. RecLending still offers financing for used boats and private-party purchases at our standard rates.
What credit score do I need?
The promotional rate is available to Tier 1 credit only, with a minimum credit score of 740. All financing is subject to credit approval and program guidelines.
How long can I finance my boat?
Loan amounts from $25,000 to $74,999 qualify for terms up to 144 months. Loan amounts from $75,000 to $124,999 qualify for terms up to 180 months.
Is a down payment required?
Yes. A 5% down payment is required for the promotional rate.
Is the promo available in every state?
No. The 5.99% promotional rate is not available to residents of California, New York or New Jersey.
How do I apply for the promo?
Apply online through our secure application. A RecLending associate will follow up to confirm your information and check your eligibility for the promotion.
*APR = Annual Percentage Rate. 5.99% APR promotional rate is subject to credit approval and program guidelines. Tier 1 credit only (740 minimum credit score). Valid exclusively on new, never-registered, in-stock 2026 and 2027 model-year boats. Loan amounts of $25,000–$74,999: terms up to 144 months. Loan amounts of $75,000–$124,999: terms up to 180 months. 5% down payment required. Not available to residents of California, New York or New Jersey. Example: $50,000 financed at 5.99% APR for 144 months = 144 monthly payments of $487.67. Offer valid October 1, 2026 through December 31, 2026. Rates, terms and availability are subject to change without notice. Not all applicants will qualify.
