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Boat financing in Florida
Know your number.
Then go boating.
Estimate a monthly payment on any boat we sell, add your trade-in, then apply through our lender’s secure application. The New Smyrna finance team takes it from there.
Terms
Up to 20 years
Boats
New & pre-owned
Trade-ins
Welcome
Secure application hosted by our lender. Opens in a new tab.
How boat financing works: Three steps. One finance team.
Most of our buyers finance. You can estimate, apply and sign with the same people who sell and service your boat.
We finance boats for buyers at all four of our stores: Orlando, Tampa, New Smyrna Beach and Key Largo. Apply online from wherever you are, and our finance team takes it from there.
01
Estimate it
Use the calculator. It’s just math in your browser: no credit check, and nothing is sent to anyone.
On this page
02
Apply securely
Fill in our lender’s secure credit application. Our finance team reviews it with our lenders and calls you with the options.
Secure · new tab
03
Sign at New Smyrna
Settle the terms, the paperwork and delivery at the store. If your boat is at another store, we bring it to New Smyrna.
In person
Have these ready
Driver’s license
Income details
Your trade’s year, make and hours
The boat you want, if you know it
Sea Hunt boats for sale near your price: Shop with your number.
Closest to $126,115 · the 4 closest by price
TampaGold TagSea Hunt BX 22 BR
22 ft · 200 HP
OrlandoSea Hunt BX 22 BR
22 ft · 200 HP
TampaSea Hunt Ultra 219
21 ft · 200 HP
Key LargoGold TagSea Hunt Ultra 219
21 ft · 200 HP
New Smyrna BeachSilver TagSea Hunt Ultra 219
21 ft · 200 HP
Key LargoGold TagSea Hunt Ultra 219
21 ft · 200 HP
TampaSea Hunt Ultra 219
21 ft · 200 HP
OrlandoSea Hunt Ultra 219
21 ft · 200 HP
New Smyrna BeachSea Hunt Ultra 219
New Smyrna BeachSilver TagSea Hunt BX 22 BR
22 ft · 200 HP
OrlandoSea Hunt Ultra 229
22 ft · 200 HP
TampaSea Hunt Ultra 229
22 ft · 200 HP
TampaSea Hunt Ultra 234
24 ft · 200 HP
TampaSea Hunt Ultra 235
24 ft · 200 HP
OrlandoSea Hunt Ultra 235
24 ft · 200 HP
Key LargoSea Hunt Ultra 255 SE
25 ft · 300 HP
Key LargoSea Hunt Gamefish 27 FS
27 ft · 400 HP
TampaSea Hunt Ultra 239
24 ft · 300 HP
TampaSea Hunt Ultra 239
24 ft · 300 HP
New Smyrna BeachSea Hunt Ultra 239
24 ft · 300 HP
New Smyrna BeachSea Hunt Ultra 245
24.25 ft
Key LargoSea Hunt Ultra 245
24.25 ft
TampaSea Hunt Ultra 245
25 ft · 300 HP
TampaSea Hunt Ultra 245
25 ft · 300 HP
New Smyrna BeachSea Hunt BX 25 FS
25 ft · 350 HP
OrlandoSea Hunt BX 25 FS
Key LargoSea Hunt BX 25 FS
25 ft · 350 HP
Key LargoGold TagSea Hunt BX 25 FS
TampaSea Hunt Ultra 255
25 ft · 350 HP
Key LargoSilver TagSea Hunt Ultra 255
25 ft · 350 HP
Key LargoSea Hunt Ultra 255
27 ft · 350 HP
New Smyrna BeachSilver TagSea Hunt Ultra 265
TampaSea Hunt Ultra 275 SE
27' ft · 500 HP
Key LargoSea Hunt Ultra 265
300 HP
TampaSilver TagSea Hunt Ultra 265
26 ft · 300 HP
OrlandoSea Hunt Ultra 265 SE
26 ft · 300 HP
New Smyrna BeachSilver TagSea Hunt Gamefish 25
25 ft · 300 HP
TampaSilver TagSea Hunt Gamefish 25
25 ft · 300 HP
OrlandoSea Hunt Ultra 265 SL
26 ft · 400 HP
OrlandoSea Hunt Ultra 265 SE
26 ft · 400 HP
OrlandoSea Hunt Ultra 265 SE
26 ft · 400 HP
Key LargoGold TagSea Hunt Ultra 275 SE
27 ft · 400 HP
Key LargoGold TagSea Hunt Ultra 275 SE
27 ft · 400 HP
TampaSea Hunt Ultra 275 SE
27 ft · 400 HP
TampaSilver TagSea Hunt Gamefish 27 CB
27 ft · 400 HP
Key LargoGold TagSea Hunt Gamefish 27 CB
27 ft · 400 HP
TampaSilver TagSea Hunt Gamefish 27 FS
400 HP
Key LargoSea Hunt Gamefish 27 FS
27 ft · 400 HP
TampaPlatinum TagSea Hunt Gamefish 28 CB
28 ft · 600 HP
TampaGold TagSea Hunt Ultra 285 SE
28 ft · 600 HP
TampaSilver TagSea Hunt Ultra 285 CB
28 ft · 600 HP
Key LargoSea Hunt BX 28 FS
28 ft · 600 HP
TampaSea Hunt BX 28 FS
28 ft · 600 HP
Key LargoGold TagSea Hunt Ultra 285 CB
28 ft · 600 HP
OrlandoSea Hunt BX 28 FS
28 ft · 600 HP
TampaSilver TagSea Hunt Ultra 285 CB
28 ft · 600 HP
OrlandoSea Hunt Gamefish 28
28 ft · 600 HP
Key LargoGold TagSea Hunt Ultra 285 SE
28 ft · 600 HP
TampaGold TagSea Hunt Gamefish 30 CB
30 ft · 700 HP
Key LargoSilver TagSea Hunt Gamefish 30 CB
30 ft · 700 HP
Key LargoSea Hunt Gamefish 30 CB
30 ft · 700 HP
Sea Hunt is the brand we publish prices for. Scout, Wellcraft and Regal are priced by quote: call New Smyrna and the team runs the numbers with you.
Boat trade-in value: Trade in, straight.
Trading in your boat should be the easy part. Here’s how we value it.
01
Get an honest range
Tell us about your boat. A person on our team, not a pricing bot, sends you a range.
02
See how we got it
We show what the range is based on: recent sales, condition, hours and what’s on the boat.
03
Confirm it at New Smyrna
Bring the boat in and we confirm the number in person. Use it toward any boat, or just sell it to us.
How boat loans are approved: What lenders look at.
A boat loan works much like a car loan, with longer terms on bigger boats. These four things decide your rate and term.
Your credit
Your credit history and score shape the rate you’re offered. A stronger score usually means a lower rate.
Your monthly debts
Lenders compare what you already pay each month with your income to see how a boat payment fits.
The boat
Its age, condition and value. Newer boats usually qualify for longer terms than older ones.
Your down payment
Putting more down, in cash or with a trade, lowers the amount financed and can improve your terms.
Financing a new boat
Longer terms, warranty backed
New boats often qualify for the longest terms because their value and condition are known, and the factory warranty covers the early years.
Financing a pre-owned boat
Smaller loan, shorter payoff
A pre-owned boat usually means a smaller amount to finance. Terms can be shorter depending on the boat’s age, so check the calculator at 10 or 15 years.
Plan past the loan, too. Insurance, a place to keep the boat and routine service, usually once a year in Florida, are part of what owning a boat costs, so build them into the number you're comfortable with.
Boat financing questions: Asked and answered.
Does the payment calculator check my credit?
No. The calculator is just math in your browser. Nothing is sent to us or to a lender until you choose to apply.
What interest rate will I get?
It depends on your credit, the boat, the term and the lender. The 7.49% in the calculator is an example. The finance team gives you real numbers after you apply.
How long can I finance a boat?
Up to 20 years on many boats. Shorter terms are common on smaller or older boats, and they cost less in interest overall.
Can I finance a pre-owned boat?
Yes. We finance new and pre-owned boats. Terms on a pre-owned boat depend on its age and condition.
Can upgraded electronics go into my boat loan?
Yes. When upgraded electronics are on your new boat’s build sheet, they can be financed with the boat in the same loan. Ask us to add them before the paperwork is drawn up.
Can I use my trade-in as the down payment?
Yes. Your trade’s value counts toward the purchase. If you still owe on it, we pay it off as part of the deal and the difference is applied for you.
Why don’t I see a price on Scout, Wellcraft or Regal boats?
Those brands are priced by quote. Call New Smyrna at (386) 272-6955 and the team will price the boat and run the payment with you.
Can I add an extended service contract or insurance?
Ask the finance team when you sign; they can walk you through what’s available for your boat.