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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.
* Annual Percentage Rate. Example of a Boat loan: A 15 year fixed-rate $55,000 loan. Based on an APR of 4.37%, this loan has 180 monthly payments of $417.10 each. Minimum loan amount for pleasure use is $10,000 in all states except for Puerto Rico ($53,501).