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

When some people think of Texas, they might not think about boating. But as we know, everything is bigger in the Lonestar State, and boating is not an exception. There are countless ways to enjoy a boat, whether it’s relaxing and fishing on one of the many beautiful lakes Texas has to offer (like Lake Lewisville or Lake Conroe), or whether it’s exploring the Gulf Coast, you can bet you’ll find plenty of places to have fun. With so much to explore, you probably find yourself wanting, nay, needing a boat of your own. Luckily, getting a boat loan in Texas is a great way to help you get started. But, where do you go to find a boat loan in Texas?

Boat loans are widely available in Texas. 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! The best place to find your perfect boat is at your local dealership. They will have knowledgeable salespeople who can help you find the most that best fits your needs, whether it’s a fishing boat, center console, or even a pontoon. 

Another great way to figure out what boat you want is use a service like Boat Searchers! There, you can just enter in information on what you’re looking for including: activities you plan to do or whether you want to buy a new or used boat! After that, the Boat Searchers search online listing everywhere to find a boat that matches your needs. 

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. 

In no time, you can be out on Lake Austin or Lake Amistad having the time of your life!

Figure Out Your Budget

After you’ve found an amazing boatto buy, it’s best to find a 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. 

Comparing quotes will allow you to choose the best terms for your needs, whether you have a preference for rate or for length of term. Sometimes, lenders may also compete with each other to give you more favorable terms!

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 Texas. You can always check to see if your local credit union has any options. There are some who will provide recreational loans, but it isn’t typically their specialty. They likely don’t have a dedicated recreational loan expert that knows all of the ins and outs. Several national banks have recreational loan programs that you can utilize to get a boat loan. 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. 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 if you have less than stellar credit. 

Getting a boat loan in Texas doesn’t have to be complicated. 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! For more tips and tricks for your next loan, click here.