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Length of Boat Loans. Fixed rate boat loan terms are available from 15, 20 years, the terms available are based on the amount you are looking to borrow. The rate of your boat loan is determined by many key factors outside of your credit score.
1 You can apply for a loan and often be approved in 24 hours. 2  Longer financing terms â marine finance specialists recognize the value of a well-maintained boat, so terms generally will be more attractive than those not actively making boat loans.