End-of-Season Boat Financing: Rates as Low as 5.99% APR | RecLending
RecLending's End-of-Season Offload Event: Rates as Low as 5.99% APR*
From October 1st through December 31st, lock in end-of-season savings on your next boat.
The season may be winding down, but the deals are just getting started. RecLending's End-of-Season Offload Event brings promotional boat financing rates as low as 5.99% APR* on new 2026 and 2027 model-year units. Whether you've had your eye on a new bass boat all season long or a pontoon for the whole family, this is a great time to make your move. (Not sure when the right time to buy a boat is? Fall is hard to beat.)
Offer Breakdown
Choose the financing tier that fits your purchase:
- $25,000 – $74,999: Up to 144-month financing at 5.99% APR*
- $75,000 – $124,999: Up to 180-month financing at 5.99% APR*
Longer terms mean more flexibility in your monthly budget, so you can get into the boat you really want without stretching too far. Plug your numbers into our boat loan rate calculator to see what your monthly payment could look like, and don't forget to factor in the total cost of boat ownership. New to financing terms? The CFPB explains the difference between an interest rate and APR.
Promo Highlights & Eligibility
- All makes and models qualify. From center consoles to pontoons, the whole lineup is on the table between $25,000 and $124,999. Still deciding? Read our guide on what to look for when buying a boat.
- Just 5% down. A 5% minimum down payment gets you started.
- Tier 1 credit required. Applicants and co-applicants must have a minimum credit score of 740. Learn how FICO® Scores work, or check out our tips on how to improve your credit score.
- New 2026 and 2027 models. This offer is valid on new, in-stock 2026 and 2027 model-year units. Ordered units also qualify if they arrive at the dealership and the loan funds by December 31, 2026.
Why Act Now?
Inventory is limited to what's in stock, and once these units are gone, they're gone. Ordered units must arrive and fund by December 31st to qualify. Locking in a low promotional rate now means you can spend the off-season getting ready and be first on the water when spring arrives. While you wait, protect your investment with our tips for insuring your new boat, look into a boat service plan, and brush up on off-season boat storage.
Ready to Get Started?
See where you stand in minutes with pre-qualification, or go straight to the RecLending application. Have questions first? Visit our Boat Loan FAQs, see what customers say in our reviews, or contact our team. The offer runs October 1st through December 31st, so don't wait.
Rate subject to credit approval and program guidelines. Offer valid October 1, 2026 through December 31, 2026. Terms, rates, and eligibility may vary. See dealer for complete details. Terms & Privacy.
