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Boat Loans in Missouri

First Approval Source:

Easiest Way to Get a Boat Loan

Happy family with children enjoy relaxing on a yacht at sea

Get Financed Quickly

Missouri contains some of the most popular waterways in the country like the Lake of the Ozarks and the Missouri River. These brilliant bodies of water make boating in Missouri very popular! 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 Missouri. 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. 

What’s the best way to find a boat loan in Missouri?

The state of Missouri is known for having friendly neighbors, great barbecue, and of course, the big arch. To add to the state’s already extensive culture, Missouri also offers amazing adventures on the water; especially with places like Table Rock Lake and the Lake of the Ozarks. It’s no surprise that boating in Missouri is incredibly popular. If you’re like many others, you may be wanting to buy a boat of your own so you can join in on all the fun. Luckily, getting a boat loan in Missouri is a great way to help you get started. But, where do you go to find a boat loan in Missouri?

Boat loans are widely available in Missouri. 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 the best place to buy a boat in Missouri is at your local dealership. They will have knowledgeable salespeople who can help you find the most that best fits your needs. Whether you’re looking for a luxurious pontoon, a high speed wakeboarding boat, or a state-of-the-art fishing boat, you can buy the perfect boat and head out to your favorite lake in a heartbeat!

Perhaps you can find a boat at an amazing local boat show! Shows like the Kansas City Boat Show and the St. Louis Boat and Sport 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 Missouri.

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 that you’ve found the boat you want; it’s time to find financing. Fortunately, it isn’t too difficult to find a boat loan in Missouri. You can always check to see if your local credit union has any options. These could include credit unions such as Mainstreet Credit Union and Missouri Central Credit Union, among several others. Unfortunately for most credit unions, boat loans aren’t always their specialty, even if they offer them. Oftentimes, they don’t have a dedicated recreational loan expert that knows all of the best practices, 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, you don’t have to take the time to apply to each one of these banks. Some lenders have a higher threshold for acceptable credit scores. 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. 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 even help you find a boat loan with bad credit. 

Getting a boat loan in Missouri can be quite easy 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 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!