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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.
Pros and cons of shorter and longer car loans. The average length of a car loan at the start of 2015 was 67 months; thatâs over six and a half years, and about five months longer than in 2010, according to Debt.org, a debt help organization. âThe trend is going even longer with 30 percent of car loans now stretched between 72 and 84 months,â it says.