How it works for:

Simple, Flexible Marine Financing and Loans

Owning a boat or personal watercraft is simple with our marine financing solutions. We work with Canadians in every province, offering flexible loan options for all credit types so you can get on the water with confidence.

Helping Canadians Get Approved Backed by Canada’s Most Trusted Lenders

Fast, Easy, Painless Approval.

Your Credit Is No Problem!

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Smart Financing. Simple Process.

Easy Approvals

Quick online applications with fast approvals even if you have less-than perfect credit.

Flexible Choices

We partner with leading Canadian lenders who specialize in marine and boat financing.

Pick Your Vessel

Serving all provinces across Canada, giving you the freedom to buy from any dealer or private seller.

Affordable Payments

Select weekly, bi-weekly, or monthly payment plans that fit your budget and lifestyle.

What Makes Our Marine Financing Different?

Good and Poor Credit Approved!

We don’t base approvals only on credit scores. Our network of flexible lenders works to secure financing for your boat or personal watercraft purchase, regardless of your financial history or current situation.

Low Rates & $0 Down Options

Your choice matters! Whether it’s a brand-new boat, a yacht, or a dependable used watercraft, our financing options help make it possible. Pick the vessel you want, and we’ll work to get it financed.

Buy Anywhere Dealer or Private Sale!

Get your boat or watercraft from any dealership or even a private seller. New or used, the decision is completely yours — and we’ll back you with flexible marine loan support.

From Application to Open Water: Marine Financing Made Simple

Owning your boat or watercraft is easier than ever. Apply online, receive fast approval, and purchase with the confidence of a cash buyer. With flexible loan options and support for every credit type, we make marine financing straightforward so you can spend more time enjoying life on the water.

GET PRE-APPROVED

Fill out our simple application, and you can typically expect approval within 24 hours! Don't have traditional income verification? Are you self-employed? We're here to support you! Apply today to begin your journey.

SHOP WITH CONFIDENCE

Enjoy the Freedom of Shopping as a Cash Buyer! Explore Any Vehicle (New or Used) from Dealerships or Private Sellers. The Decision Is Yours!

ENJOY YOUR RIDE!

Share Your Seamless and Effortless Loan Experience with Finance That to Your Friends!

Apply Online for Marine Financing Today

Financing should never stand in the way of your next adventure on the water. With Finance That as your trusted partner, you can set sail with confidence and enjoy the freedom of the open waves. It’s time to explore, relax, and create lasting memories on the water.

Questions & Answers

Can I get marine financing with bad credit?
Yes. We work with lenders across Canada who provide loan options for all credit situations, including poor or limited credit history.
Absolutely. Whether you’re purchasing a brand-new boat or a pre-owned watercraft, we can help secure flexible financing options.

Yes. Our marine financing solutions cover purchases from dealerships as well as private sellers, giving you full flexibility in how you buy.

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