Florida Boat Financing & Boat Loans
From the Atlantic and Gulf coasts to Lake Okeechobee and the lakes of Central Florida, RecLending helps Florida boaters finance new and used boats with flexible loan options for all credit types.
Get On the Water in the Sunshine State
Florida is known as the Sunshine State, and it's one of the busiest boating states in the country. The Florida Fish and Wildlife Conservation Commission (FWC) reports 1,030,053 registered vessels in Florida in 2024, along with more than 7,500 lakes, ponds and reservoirs and approximately 12,000 miles of fishable rivers, streams and canals. NOAA measures 8,436 miles of tidal shoreline along Florida's Atlantic and Gulf coasts.
Sources: FWC 2024 Boating Accident Report release (May 2025), FWC Lakes and Rivers, NOAA Shoreline Mileage of the United States.
Your Florida Provider of Boat Loans
RecLending is a veteran-owned and operated company proudly providing Florida boaters with financing for new and used boats. We're anglers ourselves — boating fanatics who understand the pull of a good sunrise on the water. When you apply, we'll work to get you the best rate we can offer, paired with the kind of experience you deserve from a finance company that actually understands boats and the people who love them.
Looking to get pre-qualified before you shop? Apply online through our secure application. We also offer insurance coverage and service plans to Florida boat owners for peace of mind that their boat is protected.
Popular Places to Boat in Florida
Looking for places in Florida to take your new boat? Check out these Florida waters:
Lake and waterway details from Florida Fish and Wildlife Conservation Commission, NOAA Shoreline Mileage of the United States. Check local rules, and clean, drain and dry your boat before moving between lakes.
New & Used Boat Loans in Florida
RecLending is proud to offer Florida boaters a full range of marine loans, so you can get out and enjoy the water no matter what kind of credit you have or what your monthly budget looks like.
Whether you're buying from a dealer or through a private sale, including boats listed on Facebook Marketplace, RecLending can help you finance your purchase.
Boat Loan Options
- Private-party boat purchases
- Simple interest loans
- First-time buyer loans
- Refinancing for existing loans
Boats We Finance
- Fishing boats
- Bass boats
- Pontoons
- Aluminum boats
- Outboards
- Runabouts
- Offshore boats
- Walleye boats
- Duck boats
How to Get Your Florida Boat Loan
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 and answer any questions you may have.
Buy Your Boat
We guide you from loan approval to the completion of your boat purchase, and we're dedicated to reducing any stress along the way.
Explore Your Options!
Try our quick Rate Calculator to instantly estimate your monthly payments.
Rate CalculatorTake the Next Step
Ready to buy? Apply now through our secure online application and get pre-approved fast.
Apply NowFlorida Boat Financing FAQs
Does RecLending offer boat loans in Florida?
Yes. RecLending provides boat financing to boaters in Florida. You can apply online anytime through our secure application.
Can I get a used boat loan in Florida?
Yes. RecLending offers both new and used boat loans for Florida boaters.
What types of boat loans does RecLending offer?
Our marine loan types include private-party boat purchases, simple interest loans, first-time buyer loans, and refinancing for existing loans.
Can I finance a boat from a private seller, like on Facebook Marketplace?
Yes. RecLending finances private-party boat purchases, including boats you find through Facebook Marketplace, as well as boats bought from a dealer. Apply online and our team will guide you through the purchase.
What kinds of boats can I finance?
Our marine loans can be used for fishing boats, bass boats, walleye boats, duck boats, pontoons, aluminum boats, outboards, runabouts, and offshore boats.
Can I get a boat loan if my credit isn't perfect?
RecLending works with all credit types. All financing is subject to credit approval and lender eligibility requirements.
What happens after I apply?
After you send us an application, a RecLending associate will call you to confirm your information and answer any questions. Our team will guide you from loan approval through the completion of your boat purchase.
How can I estimate my monthly boat payment?
Use our free Rate Calculator to instantly estimate your monthly payments. Rates and financing terms are subject to change without notice.
Does RecLending offer boat insurance and service plans?
Yes. We also offer insurance coverage and service plans to Florida boat owners, so you can have peace of mind that your boat is protected.
RecLending also helps boaters in neighboring states. See our Georgia boat financing and Alabama boat financing pages.
*Rates and financing terms are subject to change without notice. Financing is subject to credit approval and lender eligibility requirements. Lake and waterway information is provided for general reference; please check official sources for current conditions and regulations.
