Dealing With Credit Challenged Users Since 2002

SeaDream can help people that have less than-perfect-credit or credit challenges with flexible watercraft funding options. SeaDream’s Bad Credit Boat Loans Department focuses primarily on mid-tier credit score and sub-prime marine funding programs.

Our mid-tier programs will allow you to secure competitive funding while you might not be eligible for today’s rate that is prime. SeaDream now offers sub-prime motorboat funding programs, makes it possible for you to definitely re-establish / rebuild your credit score while enjoying the fun boating life style.

With funding up to $100,000, SeaDream’s mid-tier and sub boat that is prime programs provide you with a number of choices to meet your requirements.

Bad Credit Boat Loan Terms

  • Loan Terms as much as fifteen years
  • Simple Interest Financing without any Pre-Payment Penalty
  • Standard Fixed Speed & Temporary Fixed Programs
  • Interest levels differ from 9.95 – 17.99%

You meet the following minimum qualifications before you apply please review the following to ensure:

1. Loan Qualifications:

  • Minimal Deposit: 10% +
  • Boats Might Not Be More Than fifteen Years
  • Devices Which Do Not Qualify: High End Boats, Commercial Vessels, & Houseboats

2. Credit Profile Parameters:

  • Credit Score / FICO rating should be 550 or Above
    • If you should be uncertain exactly what your current credit rating is, simply click Credit Reports to obtain a duplicate of the credit history.
  • Combined Unpa

    Just how to use / next actions:

    A) If you meet with the Credit Profile Parameters please apply here. When you have any questions be sure to phone 949-515-0055 to learn more about our mid-tier and sub-prime marine funding programs. Our service-oriented and friendly staff of experienced ship finance experts will be able to work you the boat of your dreams and get your credit rating back on track with you, one-to-one, every step of the way to get. * (see disclaimer below)

    B) in the event that you never have met the Credit Profile Parameters noted above you might not be eligible for our sub-prime marine loan funding programs. We highly recommend unless you are relatively sure that you have met the general Credit Profile Parameters as it will place an unnecessary inquiry on your credit report that may lower your FICO score that you not apply for a loan. Alternatively we advice once it has reached 550 or above that you start monitoring your credit score and apply for a SeaDream loan.

    For more information on upping your odds of securing ship funding SeaDream has come up with a few watercraft funding recommendations. With you to get the best possible boat loan after you have taken measures to increase your chances of being financed SeaDream will work.

    You may constantly contact certainly one of our loan representatives to further investigate your present situation.

    * Disclaimer: The credit profile parameters are just a general guideline and try not to guarantee that loan approval.


    You may get approved for a motorboat loan despite having bad credit. Be aware but, rates of interest and loan terms for high-risk loans will perhaps not match those wanted to prime lenders.

    Though it can be feasible to be eligible for a a motorboat loan with FICO fico scores when you look at the 500s, generally speaking you’ll need 600+ along side a decreased debt to earnings ratio to qualify. If you were to think you qualify you are able to submit an application for a loan online today.

    For bad credit loans the utmost term size is normally fifteen years. For those of you with exemplary credit you can easily up get terms to twenty years.

    To be eligible for a watercraft loan with bad credit you ought to place straight down the very least of 10per cent and also the ship must certanly be significantly less than 15 years old.

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