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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 Wide range of loan amounts: Some online lenders will cap their loans at relatively low amounts such as $5,000 or $10,000, shutting out potential borrowers. 2  The best lenders will approve loans for at least $25,000 or $30,000. The best lenders will approve loans for at least $25,000 or $30,000. 2  Wide range of loan terms: Some online lenders are somewhat rigid on the length of loan terms theyâll offer. 3  The best lenders are more flexible, allowing for shorter terms (such as 12 months) and longer terms (such as 72 months or more).