Industry Partners


Boat Loans in California

First Approval Source:

Easiest Way to Get a Boat Loan

Happy family with children enjoy relaxing on a yacht at sea

Get Financed Quickly

The Golden State is one of the cultural epicenters of the United States, and the culture of boating in California is a huge factor! Purchasing a boat should feel like a dream. That’s why First Approval Source makes the boat loan process as simple as it could possibly be. When working with First Approval Source, you can expect:

Fast Approvals

We have the fastest loan specialists in the industry, delivering same-day approvals with approved credit. E-Signature closings with participating banks.

Security and Privacy

HTTPS secure and encrypted so you do not have to worry about your privacy. Rest easy knowing that we will protect your personal information every step of the way.

Amazing Offers

Applying is easy and our team members keep you informed every step of the way! We have access to the best rates and terms for boat loans in California. We will design a loan package just for you!

Boat Loans Made Easy

Applying takes just a few minutes, and you’ll be contacted soon after submission. 

Where do you go to find a boat loan in California?

California is known for it’s exuberant culture in the southern part of the state and for it’s diverse landscape of beaches, lakes, and forests. Boating in California is immensely popular as it borders the Pacific Ocean to the west and contains several large bodies of water such as Lake Tahoe. There’s a whole list of places to enjoy the wate in California. If you’re like many others, you may be wanting to buy a boat of your own so you can enjoy the landscape yourself. Luckily, getting a boat loan in California is a great way to help you get started. But, where do you go to find a boat loan in California?

Boat loans are widely available in California. You just have to choose the best option for your needs!

Find the Right Boat

Before you do anything, you have to find a great boat! Perhaps you can find a boat at an amazing local boat show! Shows like the Sacramento Boat Show and the Newport Beach International Boat Show always have some of the best dealerships in the state with incredible boats to choose from. You can always expect to find a great boat to buy from any of the boat shows in California.

If you can’t make it to a boat show, the best place to find your perfect boat is at your local boat dealership. At dealerships, you can speak with a professional who can help you find exactly the kind of boat that you’re looking for. Some will even offer financing options at the dealership. 

More options to find your perfect boat if you don’t have a dealership nearby include Boat Trader or BoatUS. Either of those will have thousands of listings from all over the country, making it easy for you to find the perfect boat at an affordable price. Additionally, BoatUS has various financing options for you once you find the vessel you’re looking for. 

Figure Out Your Budget

After you’ve found the boat that’s calling your name, it’s best to find a boat loan calculator. A loan calculator allows you to plug in different values and determine the best terms for your budget. Once you’ve determined your desired terms, you can compare different quotes from lenders once you apply. 

Find the Right Financing Partner

Now you’ve found the boat you want; it’s time to find financing. Boat loans are widely available in California. You can always check to see if your local credit union has any options. These could include credit unions such as Sacramento Credit Union and California Coast Credit Union, among others. Unfortunately for most credit unions, boat loans aren’t always their specialty, even if they offer them. They likely don’t have a dedicated recreational loan expert that knows all of the ins and outs, and you could end up with less favorable rates and terms. Several national banks have recreational loan programs that you can utilize to get a boat loan, as well. These include LightStream (a division of Truist), Bank of the West, US Bank, Aqua Finance, and Medallion Bank. 

While most of these national banks can provide you with decent terms, taking the time to apply to each one can seem like an unnecessary hassle. If you know your credit isn’t the best, you also want to make sure you’re only applying to lenders that can specialize in subprime lending. Some of these national banks and credit unions have higher thresholds for credit scores that they accept, so you might have a hard time finding a boat loan if you have bad credit. First Approval Source works with several different lenders and credit unions, and we have access to and knowledge of all of their various programs. We evaluate your credit profile and match you with the best lenders that best fit your credit profile. We even work with several subprime lenders, so we can help you find a boat loan with bad credit. 

Finding a boat loan in California is made simple when you work with First Approval Source. All you have to do is fill out our easy-to-use, secure credit application online, and we’ll do the rest. First Approval Source will thoroughly review your application and get back to you as soon as possible. We even offer same-day approvals for those with qualified credit.

Our specialists are experts in their field, and they can help you make the best decision for you and your boat. They are passionate about not only boating, but about helping you and getting you out on the water so you can have fun. When you’re ready, please feel free to visit our website at and fill out our credit application! Check out our blog to read more for other tips and tricks for boat loans.

Are you ready for a loan now?

Apply with our online credit application and receive same-day approval with qualified credit

What do others say about First Approval Source?

Kip DarbyKip Darby
13:59 26 Sep 22
First Approval Source, LLC are top notch!!! David did a great job from start to finish. Attention to detail and open communication through the entire process made the boat purchase truly effortless. Thank you once again.
Alicia PetersAlicia Peters
14:31 29 Jun 22
Anthony Baldwin was our loan specialist. He was super friendly and so easy to work with. He got our loan approved and was very thorough. Thank you so much Anthony!
Frank KubalaFrank Kubala
09:56 18 May 22
I found First Approval Source to be very professional. We worked with Santiago, he was very thorough, answered all questions, and followed through on issues. He was very pleasant to work with. I highly recommend First Approval Source!
Kathy CalderonKathy Calderon
21:47 06 May 22
Thank you Anthony Baldwin for helping us with the purchase of our boat. You are the best! I will definitely recommend all my friends and family to First Approval. You have made the buying process so smooth.
James SmithJames Smith
20:53 11 Apr 22
Very easy to work with and excellent communication. Made the process simple and smooth. Seller said they were happy too. Thank you, Anthony!