Boat Show Specials

Set a course for life on the water with a boat or personal watercraft loan. Visit us at the Tampa Bay Boat Show for great loan rates. See rate details below.


Florida State Fairground
4800 US-301 Tampa, FL 33610

Friday, February 28: 10 - 5 p.m.
Saturday, March 1: 10 a.m. - 5 p.m.
Sunday, March 2: 10 a.m. - 5 p.m.

Booth #: 56

240-Months at 7.99% APR*

Loan amounts $50,000 - $500,000

$417.91 / MONTH

Purchase Price: $50,000
Loan Amount: $50,000
100% Financing - No Money Down

$626.86 / MONTH

Purchase Price: $75,000
Loan Amount: $75,000
100% Financing - No Money Down

$835.82 / MONTH

Purchase Price: $100,000
Loan Amount: $100,000
100% Financing - No Money Down

Apply Now

Explore our Lending Footprint

Ready to set sail? Explore the counties below to see where our vehicle loan products are available.

Counties We Proudly Serve:
 
  • Charlotte
  • Lee
  • Citrus
  • Manatee
  • Collier
  • Orange
  • Desoto
  • Osceola
  • Hardee
  • Pasco
  • Hernando
  • Pinellas
  • Highlands
  • Polk
  • Hillsborough
  • Sarasota
  • Lake
  • Sumter

BayLive Checking

Payments made easy. Loan customers can set up Autopay using a BayLive Checking account. Open in minutes, from anywhere.

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Stop By and See Us

Meet our team of experienced lenders in-person at our next boat show.
Learn about our special boat show rates, pick up BayFirst boating swag, and apply for a loan onsite.


 

Boat & Watercraft FAQ

BayFirst can finance the purchase of nearly any recreational watercraft, though we typically finance motorboats, jet boats, yachts, sail boats, jet skis and pontoons. Have something else in mind? Talk to a BayFirst lender.

No, we can finance both new and used watercraft purchases.

A typical boat loan term can vary depending on factors such as the loan amount, the borrower's creditworthiness, and the lender's policies. However, boat loan terms commonly range from two to twenty years, and it’s best to discuss your options with a lender to find the term that’s best for you.

Yes, we offer boat loan refinancing and loans to purchase new and used boats.

The better your credit score, the more likely you will be to qualify for a boat loan. Talk to a BayFirst lender to discuss your score and options. 

Unlike many banks, BayFirst does not charge application, origination, processing, or underwriting fees for boat loans. The only closing costs associated with the loan are the state required fees for title registration or ship mortgage and documentary stamp tax.

No, BayFirst does not charge a pre-payment penalty for boat or watercraft loans.

For vessels measuring up to 26 feet in length, a title registration through the state of Florida is required.  For vessels larger than 26 feet, a ship mortgage is required as collateral.

  *All loans subject to approval, including credit approval. Income, credit and property restrictions may apply. Other programs available. Programs subject to change or termination without notice. To qualify for the 240-month term, you must have a credit score of 700 or better and meet all credit requirements. 7.99% APR(Annual Percentage Rate) is available on 240 month loans. To qualify for the 7.99% APR you must have a credit score of 740 or above. Rate effective as of 2/19/2025.