Compare the Best Boat LoansCompanyStarting Interest RateLoan Terms (range)Bank of the West Best Overall3.74%4 to 20 yearsSoutheast Financial Best for Bad Credit3.74%Up to 15 yearsLightStream Best for Quick Funding4.49%24 to 84 monthsMountain America Credit Union Best for In-House Financing5.49%Up to 15 years