Sailing, fishing, cruising, jet skiing – whatever floats your boat, we’ve got the watercraft loan you need. BayFirst offers competitive rates, flexible terms, and an easy application process to get you off the pier and offshore in no time.

See Where The Right Loan Can Take You

BayFirst is Here for What's Next®; when you'e onboard to buy your next boat or watercraft. When you choose a boat loan with us, not only do you get the backing of an industry-leading Florida community bank, but you can also expect:

  • Competitive interest rates
  • Expert advice from our lenders
  • Up to 100% financing with no down payment
  • Easy application process
  • Data and privacy secured
  • Managing your loan with online and mobile banking
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Why BayFirst?

At BayFirst, we’re Here for What’s Next®. So, when you need help getting behind the helm, we’ve got you covered. We’ll help you get the best rate and terms for your loan and promise smooth sailing every step of the way.

Ready to set sail?

Talk to a lender

What's Next? Get Started.

Whether you already found the perfect boat or want to get preapproved before shopping, you should apply for financing. You’ll need to gather your ID, asset information, debt information, income history and social security number or get started online.
  • Fill Out An Application

    Easily apply online or in a banking center. Approval is fast and your funds are often available the same day.

  • Lock In A Competitive Rate

    We’ll work to find the best rate and loan option for your budget. Then just sign and we’ll let you know when the funds are available.

  • Go Shopping

    Find the perfect boat and sail off into the sunset.