We finance many kinds of freshwater and saltwater boats, 帆船, 以及内外汽艇. 我们也可以资助你的拖车!
You can apply for a loan online in just minutes, or by phone at 855.855.8805. 首先，检查你的信用. 如果一切正常, 包括你的债务收入比, determine how much you need to borrow and locate a loan that fits your needs.
You will need to provide basic demographic and employment information. We’ll also ask for information about the boat you are interested in buying or refinancing. 作为承保过程的一部分, 我们的贷款人可能要求提供收入证明, a copy of the sales contract or a marine survey report.
The buyer and seller do not need to visit a First Tech branch or be in the same place to close the loan. Once we receive the paperwork back from both parties, we will disburse funds in 1-2 business days. If the boat is currently financed, we will direct funds to the lienholder to pay off the loan. Otherwise, the funds will be paid to the seller by check.
The closing costs vary according to value added services provided. Minimum charges start at around $200 and increase subject to services provided. Vessels requiring US Coast Guard Documentation generally incur charges of about $800.
Boat insurance typically includes Liability, 没有保险的硬草帽, 医疗支付, 全面和碰撞保险. There are also additional coverages available that can be equally as important, 但你可能从没想过, 比如个人物品, 特种设备, 残骸清除, 和水拖. For more information, and to get a no-obligation quote, check out 第一科技保险服务.
Most loans are approved right away or within a business day, depending on the amount being financed and your overall credit and situation.
Securing a boat loan with bad credit is still possible. We have a full range of products to offer to all credit types. We will work with you to understand your unique situation.
How can I check the value of the boat I'm buying?
我们建议您访问 NADA指南船价值在线工具，由J驱动.D. 权力.
Can I finance the sales tax on my boat or RV purchase?
Yes, First Tech consider sales tax in the total price of the vessel.
Approval and rate commitments are valid for 30 days.
What is the maximum term available for a boat or RV loan?
The maximum term we offer is 15 years or 180 months.
We can finance boats up to 10 model years old. PLEASE NOTE: For Used Boat Loan (2-5 model years) add 0.50%到广告的新船贷款利率. For Older Used Boat Loan (6-10 model years) add 1.00%到广告新船贷款利率.