Yacht Financing

We can help you find the right Specialized Lending program to fit all your needs.


Funding Capacity

Up to 20yrs



Payment Schedule

7 days

Approval Speed

30 days

Time to Closed

Yacht Financing

Yacht loans, similar to other forms of marine financing, are used to purchase luxury yachts or boats. Here’s some information on yacht loans:

  1. Loan Types: Yacht loans typically come in two primary forms: secured and unsecured. Secured loans use the yacht as collateral, while unsecured loans are based on the borrower’s creditworthiness.
  2. Interest Rates: Interest rates for yacht loans can vary widely based on factors like the borrower’s credit score, the loan term, and the lender’s terms. Rates can be fixed or variable.
  3. Loan Terms: Yacht loans can have varying loan terms, which often range from 3 to 20 years. The term can influence your monthly payments and the total cost of the loan.
  4. Down Payment: Lenders often require a down payment, typically ranging from 10% to 20% of the yacht’s purchase price.
  5. Creditworthiness: Lenders assess the borrower’s credit score and financial history to determine eligibility and loan terms. A strong credit profile can result in better loan terms.
  6. Documentation: The application process for yacht loans typically involves providing financial documentation, such as tax returns and proof of income.
  7. Marine Survey: Lenders may require a marine survey to assess the yacht’s condition and value.
  8. Insurance: Yacht insurance is often a requirement for yacht loans to protect both the borrower and the lender in case of accidents or damage.
  9. Lender Options: Yacht loans can be obtained from banks, credit unions, specialized marine lenders, or even the yacht manufacturer itself.
  10. Use of Yacht: Lenders may have restrictions on how the yacht can be used. For example, some loans may prohibit chartering the yacht.


For expert guidance and assistance with your yacht financing needs, don’t hesitate to contact our Obelisco Advisers experts. They can help you navigate the intricacies of yacht financing and find the best solution for your specific requirements.

Key Points to Remember


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Last updated: [August 7, 2023]

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