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, Simple Financing

Get Approved with Confidence

Whether you’re purchasing personally or for your business, Finance That makes it easy to apply and get approved with flexible financing options tailored to your needs.

*Rates vary based on credit profile, asset type, and lender approval.

By completing this form, you consent to Finance That contacting you via SMS and email with updates, offers, and financial information. You also authorize Finance That to conduct a soft credit check as part of the application process. This soft inquiry will not impact your credit score. Standard messaging and data rates may apply. You can unsubscribe at any time by replying STOP to SMS or clicking the unsubscribe link in our emails.

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.

Browse 1000s of Listings

Find What You Need.
Get Approved. Move Forward.

Browse cars, trucks, ATVs, RVs, and commercial equipment, all available with fast, flexible financing through the Finance That Marketplace.

Compare, and apply for financing in minutes, directly from any listing. Whether you’re purchasing personally or for your business, we make it simple to get approved and move forward without the back-and-forth.

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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