Boats for sale in house financing

The outstanding service the staff at Gainesville Marina provides doesn't stop once you have chosen the cruiser or the deck boat that best suits your needs. We are a full-service Atlanta boat dealer. When you purchase a Berkshire Pontoons, or Monterey Boats, from Gainesville Marina, we offer help and advice through the entire process, including helping you determine the best financing plan for your budget. With competitive rates and long-term financing, Monterey, Berkshire Pontoons, or Crest has never been more affordable. Our finance department is comprised of a knowledgeable staff that will help you determine what financing and warranty programs will best fit your budget and your needs. Our goal is to make the entire process as easy as possible. To find the best rate, our experts search through bank rates until they find the best deal for you. Our finance experts will also explain what the manufacturer's extended warranty covers, and help you determine what extended service plan or warranty will best fit your needs.

If you've decided you want to finance your new cruiser or deck boat, you're not alone. Seventy percent of enthusiasts do. With a minimum down payment and approved credit, you can arrange Credit financing with us and get out on the road a few hours after picking out your Monterey or Berkshire Pontoons.

And because we finance more than anyone else, we understand your special needs. Only someone who knows how you feel when you hit the starter button understands that hitting the road ASAP is your biggest concern. That's why we make it easy.

Please print the financing application, complete it and e-mail or fax back to us.
Fax: (770) 534-2678

Apply Now

Talk to Gainesville Marina about financing your jet boat, cruiser, personal watercraft with Credit, and get out on the road today.

Boat and ATV Financing

Convenient, In-House Financing

All done kicking tires and ready to hit the woods or water? Let’s get financing squared away. 
White River Financial Services has the right option for just about everyone.

Who is White River Financial Services?

White River Financial Services (WRFS) is a market leader in helping our customers obtain marine financing. In operation since 1984, WRFS has decades of lending experience and provides financial services specially designed for the marine and outdoor industries. Thanks to its partnerships with many of the best national and regional lenders across the country, WRFS financing specialists can help you obtain the right loan, quickly and easily.

WRFS partners with lenders who finance in the 48 contiguous states and Alaska.

Boat and ATV Financial Planning Tools

Being comfortable with the services that help finance and protect your investment will help get your boat ownership off to a great start. Visit the website below to learn about financing basics and obtain information on other important services, including extended warranties and payment protection plans. 

Understanding Your Insurance Needs

If you’re financing your new boat or ATV, you’ll also need to insure it in order to take possession after your purchase. Our insurance partners at Progressive make it easy to get a quote in minutes, and coverage may be as low as *$100 a year. Find answers to your questions about insurance in our Learning Center, or visit our Progressive partnership page to learn more about your coverage options and get a quote today.

What credit score do you need for boat financing?

Most lenders will be looking for credit scores of about 700 or higher. You can get a boat loan with a lower credit score, but expect that you may have to pay a penalty in the form of a higher interest rate or a larger down-payment.

How long can you finance a houseboat?

Loan terms: These can vary — some traditional boat loans may not exceed 84 months, while others may stretch for as long as 20 years, nearly as long as a traditional mortgage.

What is a good finance rate for a boat?

What is a good interest rate for a boat loan? Borrowers with strong credit can expect boat loan interest rates in the 4% to 5% APR range for new and used boats.

How much is a downpayment on a boat?

Boat loan down payments typically range from 10% to 30%, so make sure you have enough money saved up to cover the cost of the down payment before you apply for a loan. Once you own a boat, you'll also have to cover maintenance and related costs.

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