Smooth Sailing Starts with the Right Loan

Sailing, fishing, cruising, or jet skiing—no matter your passion, BayFirst has the perfect loan to help you hit the water. We’ll have you off the dock and on your way in no time.

Connect with a Loan Specialist at a Banking Center

Up to 100% Financing

With no down payment options, finance up to 100% of your watercraft purchase up to $100,000.

Competitive Interest Rates

Apply today to see our latest competitive rates.

Connect with a Loan Expert at a Banking Center

Navigate financing with BayFirst.

At BayFirst, we’re Here for What’s Next®. So, when you need help getting behind the helm, we’ve got you covered. 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:
 
  • Expert advice from our lenders
  • Easy application process
  • Manage your loan with online and mobile banking


Have questions? We're here to help.

Speak to a Lender

What's Next? Get Started.

Whether you already found the perfect boat or want to get preapproved before shopping, Applying for financing is easy with BayFirst. You’ll need to gather your ID, social security number, and some personal information including income and debt history.

  • Connect With a Loan Specialist

    Call or stop by your nearest banking center to discuss your options.

  • Lock In A Competitive Rate

    We’ll work to find the best loan for you.

  • Go Shopping

    Find the perfect boat and sail off into the sunset.

Still have questions?

Boat & Watercraft FAQ

BayFirst can finance nearly any recreational watercraft, though we typically finance motorboats, jet boats, yachts, sail boats, jet skis and pontoons. Our lenders can let you know if we can finance another type of vessel.

We can finance new and used watercraft purchases.

Much like it does for a car loan, BayFirst can lend you the funds you need to purchase a boat. Your loan terms and rate will depend on your down payment, income, credit score and other factors. And you'll pay back your loan amount plus the interest rate you agree to signing.
BayFirst Home Equity Line of Credit/Consumer products are offered only to customers who maintain their primary deposit and banking relationship with BayFirst. Applicants may be required to establish or maintain qualifying deposit accounts as a condition of eligibility. All loans are subject to credit approval, underwriting standards, collateral requirements, and other applicable terms and conditions. BayFirst reserves the right to modify or discontinue this program at any time. BayFirst determines, in its sole discretion, whether an applicant maintains a primary banking relationship with the Bank. Additional restrictions and eligibility requirements may apply.