Boat Loans - Boat Financing

We've partnered with LightStream to bring you low-interest boat financing.
All lending services are provided by LightStream, a division of SunTrust Bank, and we may be compensated by LightStream through links on this site.


There's nothing like being out on the water. And whether you're sailing or motoring; fishing, racing or cruising, you want a vessel that meets your needs, and your budget.

It might be easier than you think. When you have good to excellent credit, you've earned a low rate on a boat loan from our financing partner LightStream, the nation's premier online consumer lender and a division of SunTrust Bank.

Here's what you can expect with a LightStream loan:

  • Competitive fixed rates, backed by LightStream's Rate Beat Program
  • No home-equity requirements, no fees or prepayment penalties
  • Financing from $5,000 to $100,000
  • A refreshingly simple online loan process
  • Same-day funding available1
  • Your best loan experience ever, or LightStream will give you $1002

LightStream will even plant a tree once your loan is funded!

Apply Now

"Wow, just completed my loan for a new boat with you guys. Whole process was about two hours. Perhaps the most painless ever. Kudos."
— D. L. from Easton, MD

*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

1You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

2After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. Truist teammates do not qualify for the Loan Experience Guarantee.

© Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.