Dealing With Credit Challenged Users Since 2002

Dealing With Credit Challenged Users Since 2002

SeaDream will help people that have less credit or than-perfect-credit challenges with versatile watercraft funding options. SeaDream’s Bad Credit Boat Loans Department focuses on mid-tier credit score and sub-prime marine funding programs.

Our mid-tier programs will allow you to secure competitive funding even if you might not be eligible for today’s prime rate. SeaDream also provides sub-prime watercraft funding programs, allowing you to definitely re-establish / rebuild your credit score while experiencing the fun boating life style.

With funding up to $100,000, SeaDream’s mid-tier and sub prime ship funding programs provide you with a number of choices to meet your requirements.

Bad Credit Boat Loan Terms

  • Loan Terms as much as fifteen years
  • Simple Interest Financing without any Pre-Payment Penalty
  • Standard Fixed Rate & Temporary Fixed Products
  • Interest levels change from 9.95 – 17.99%

Before you use please review the next to guarantee you meet with the after minimum skills:

1. Loan Qualifications:

  • Minimal Advance Payment: 10% +
  • Boats Might Not Be Avove The Age Of 15 Years
  • Devices Which Do Not Qualify: High End Boats, Commercial Vessels, & Houseboats

2. Credit Profile Parameters:

  • Credit Score / FICO rating Must Be 550 or Above
    • If you’re unsure exacltly what the credit that is current score, simply click Credit Reports to obtain a copy of the credit file.
  • Combined Unpa

    Just how to apply / next steps:

    A) If you meet up with the Credit Profile Parameters please apply here. When you yourself have any questions be sure to phone 949-515-0055 to learn more about our mid-tier and marine that is sub-prime programs. Our service-oriented and friendly staff of experienced ship finance specialists will work to you, one-to-one, each step of this method to allow you to get the ship of the aspirations and obtain your credit history right back on course. * (see disclaimer below)

    B) in the event that you never have met the Credit Profile Parameters noted above you might not be eligible for our sub-prime marine loan funding programs. We highly recommend unless you are relatively sure that you have met the general Credit Profile Parameters as it will place an unnecessary inquiry on your credit report that may lower your FICO score that you not apply for a loan. Rather we recommend once it has reached 550 or above that you start monitoring your credit score and apply for a SeaDream loan.

    For more information on upping your odds of securing ship funding SeaDream has assembled a few ship funding recommendations. Once you’ve taken measures to improve your odds of being financed SeaDream works with you to obtain the greatest watercraft loan.

    You might constantly contact certainly one of our loan representatives to further investigate your overall scenario.

    * Disclaimer: The credit profile parameters are just a basic guideline and try not to guarantee financing approval.


    You may get authorized for a ship loan despite having bad credit. Be careful but, interest levels and loan terms for high-risk loans will likely not match those wanted to prime loan providers.

    You will need 600+ along with a low debt to income ratio to qualify although it is sometimes possible to qualify for a boat loan with FICO credit scores in the 500s, generally. If you believe you qualify you can easily make an application for that loan online today.

    For bad credit loans the utmost term length is usually fifteen years. For many with excellent credit you are able to get terms up to twenty years.

    To be eligible for a ship loan with bad credit you’ll want to place down at least of 10per cent therefore the motorboat should be significantly less than 15 years of age.


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