Extra Extra Extra!! We now offer a LIVEABOARD PROGRAM for our marine and RV customers

(910) 471-6337

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Hello, I'm

Scott Bradshaw

My family and I have been boating since 1985. We are natives of coastal NC, and my goal as your loan of is to help you navigate the marine lending and insurance process so that you can enjoy the water as much as much as we do! You have a lot of loan choices, But few "banks" truly understand and live boating like I I d


Inroducing

Holly Stringer

Joining the Boat Money team with nearly a decade of experience in the recreational financing industry, Holly is dedicated to helping clients bring their dreams to life. She is also a passionate mother, wife, and proud Texan. 

Her primary role with us is ensuring that all of the banks stipulations are met and documents 

Right to the good stuff

I just want to know your rates

Extended warranties available even on used boats!

I just want to know your rates

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.

Need boat insurance AS WELL?

Extended warranties available even on used boats!

I just want to know your rates

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)

Extended warranties available even on used boats!

Extended warranties available even on used boats!

Extended warranties available even on used boats!

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. 

How can I help?

WE answer your questions.

WE bring the strength of NewCoast Financial

WE bring the strength of NewCoast Financial

It is our goal to help YOU make the best decision you can. There are a lot of moving parts to financing your dream boat. 


Whether you are looking for a boat loan of $50,000 or $5,000,000, we likely have a choice for you.  And if I am not the right guy, I will try to point you that way! 


Contact me

WE bring the strength of NewCoast Financial

WE bring the strength of NewCoast Financial

WE bring the strength of NewCoast Financial

 The NewCoast team has been writing recreational loans a for over 25 years, encompassing every aspect of the Recreational lending and Insurance industries.  

Our team connects you to the largest network of quality lenders and insurance providers in the marine and RV industries for the most competitive rates and loan options. Our insurance team has the expertise and experience to design your perfect protection plan. 

NewCoast

Apply now. We make it easy!

WE bring the strength of NewCoast Financial

Apply now. We make it easy!

Our online application is in 2 parts and uses state of the art 128 bit encryption. The first part is simply an email form to get me some basic information on your purchase. The second part is the full application and is simple to fill out, and usually takes less than 5 minutes. 


Our typical decision time is less than 24 hours. 

Apply now

Reviews

Things that affect apProval - THE SHORT LIST

Credit Score

whoLESALE VALUE

Credit History

800+ typically receive the best rates

740 AND UP for better rates

Options for 620 +

This is door number 1 - Credit history is door number 2. ->

CREDIT BLOG

Credit History

whoLESALE VALUE

Credit History

Low usage of revolving helpful

Slow pays and charge-offs hurt

Mortgage can NOT be in FORBARENCE

No BK in the last 7 years 

Some form of COMPARABLE Installment history (This one catches a lot of people)

READ MORE HERE

whoLESALE VALUE

whoLESALE VALUE

dOWN pAYMENT/lIQUIDITY

NADA/BUC 

Comparable sales

Dealer Invoice

SURVEY VALUE has to MEET Purchase price

READ MORE HERE  

dOWN pAYMENT/lIQUIDITY

dOWN pAYMENT/lIQUIDITY

dOWN pAYMENT/lIQUIDITY

A Down-payment is ALMOST always required

10% - 20% Options


MORE INFO HERE

Amount borrowed

dOWN pAYMENT/lIQUIDITY

Amount borrowed

$50000 + Usually offered a 20 year term

ie $62,600 purchase less 20% = $50080

Under 50k 15 year

25k and less 12 year

MORE INFO HERE

dEBT TO INCOME

dOWN pAYMENT/lIQUIDITY

Amount borrowed

DTI Ratio under 44% including the new payment. Revolving payments calculated at 3% of balance. 

PAYMENT to income 14-18%

CALCULATORS HERE

Contact me

Find me on Facebook and leave me a review! Shoot me a text or a WA Chat using the button below

Message me on WhatsApp

I am generally available 830a- 5p m-f

scott@yourboatmoney.com Text me at (910) 471-6337 Holly.stringer@newcoast.com (832) 766-7768

YourBoatMoney is now on youtube!

This intro video tells you a little about why I started YourBoatMoney, and where I am headed! It has always been my goal to provide you with the tools and information you need in order to make the best decision possible, EVEN IF IT ISN'T a loan from me!

Lets get social!

Copyright © 2023 Your Boat Money - All Rights Reserved. 

Most Images used on this site were taken  by me  - www.thesandcatcher.com 

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