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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 A pontoon boat can range anywhere from 16â² to as large as 30â². 2  This is going to be the size of the deck. 3  A 16â² boat can hold up to six people, while a boat as large as 30â² can hold upwards of 15 people.4  The number of seats available will be determined by the size of the boat and the number of people it can hold. With a financing plan, many pontoon boat owners pay $200 to $300 per month over a few years. 2  While this will save you money up front, you will end up paying more for the boat because of the interest.