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1 The options for a used boat can differ slightly in term length of loan and even interest rate. 2  Your options for the length of the loan will be shorter. 3  Used boats usually won't get as many months finance terms as new boats.4  For a used vessel you will be required to get what is called a 'Marine Survey'. new boat can be financed for 120 months or more which means after 10 years of wear and tear on your boat you could still be making payments.