Fairwind Financial Corp. - A Personal & Professional Boat & Yacht Financing Experience

Fairwind Financial has a variety of financing options to choose from. Whether it be a small lake boat or an offshore motor yacht, let us guide you through the financing process. Visit our Frequently Asked Questions page for additional information or contact us with questions specific to your situation.

Short and long term fixed rates
Variable and ARM options
Loans from $25k to $5 million+
New and Used purchase financing
Refinance & Re-power Loans
Private Party Transactions

Cash-Out and Cash Recapture options
LLC & Trust ownership
Limited Charter financing (exceptions apply)
Title, Registration, & USCG documentation assistance
Pre-approvals

Fairwind Financial Corporation is a service company specializing in the origination of boat and yacht loans ranging in size from $25,000 to $2 million+

FAQ

What is the longest term available for a boat loan?flgot2026-07-01T15:20:49+00:00

What is the longest term available for a boat loan?

20 years is the maximum term for a boat loan. However, older boats and smaller loan amounts may have term restrictions.

Loans over $50k and boats less than 10 years old will usually qualify for a 20-year term.

Loans less than $50k and/or boats older than 10 years will typically have terms of 15 years or less.

Other common boat loan term lengths are 12, 10, and 7 years.

Are rates and terms the same for a new or used boat?flgot2026-07-01T15:20:21+00:00

Are rates and terms the same for a new or used boat?

New and used boats less than 10 years old often have the same interest rates, terms lengths and down payment options.

Can I finance a used boat?flgot2026-07-01T15:19:49+00:00

Can I finance a used boat?

Yes, you can finance a used boat. However, financing for boats 15-25 years old may be more limited then boats inside 15 years old.

About Boat Loans

FAQ

What is the longest term available for a boat loan?

Are rates and terms the same for a new or used boat?

Can I finance a used boat?

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