Scott Bradshaw

Click the photo above to go to the rates page. We write loans through multiple sources, so there are a LOT of factors that go into this answer.

NewCoast Financial really is your one stop shop!

Click the photo above to get an insurance quote for your boat or RV.

(PLEASE SELECT SCOTT BRADSHAW AS YOUR SALESPERSON OR PUT MY NAME IN THE NOTES SECTION)

Boating is a great way to escape and connect. Our extended engine and accessory protection lets boat owners really enjoy time on the water knowing they are covered against costly repairs. Clicking the image above will take you to an email link to request more information. 

Your score is one part of the picture. Lenders also review credit history, income, existing obligations and the boat. Score requirements and pricing vary by program.

Payment history, credit utilization and experience managing installment loans can matter alongside your score. Tell us about any unusual circumstances so we can discuss the next step.

The asking price and the lender's accepted value may differ. Valuation methods and survey requirements vary by boat and program. Review the value early: a shortfall can change your cash needed at closing.

Cash needed can include a down payment, closing costs and reserves. Requirements depend on the lender, borrower and boat. Plan for ownership costs as well as the purchase.

The amount financed, boat age and program can affect available terms. Compare the monthly payment, total interest and expected payoff date together. A longer term can lower the payment while increasing total cost.

Lenders evaluate existing debt and the proposed boat payment relative to qualifying income. Each program may calculate these differently. Our calculators are planning tools, not an approval decision.