Purchase amount
Down payment
Loan term in years
Loan term in months
Sales Tax %
Interest rate per year %

Adjust the loan term, down payment amount and interest rate to see results based on the numbers you provide - and how any changes to those numbers may affect your payment.

Your estimated monthly payment:
Total Principal Paid
Total Interest Paid
Down Payment
Sales Tax

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How Trident Funding Boat Loans Work

It’s as easy as 1-2-3!

1. Calculate Your Payment

Whether you’re an avid boater or new to the boating world, this loved pastime is available to everyone. If you’re buying a new or used boat, you can use Trident’s boat loan calculator to understand your financing options. Simply enter your desired monthly payment to get the loan amount you can afford or provide your total boat loan amount and loan terms to return your estimated monthly payments. 

2. Apply for a Loan

Now that you have an idea of your estimated boat loan monthly payment or total loan amount, you can submit your loan application. It only takes a few minutes! We’ll ask you to tell us about the type of boat you’re looking for and a few details about your financial situation so we can match you to the marine lender that’s right for you.

3. Get on the Water!

Once you submit your boat loan application, our dedicated team of loan officers gets to work! We usually have a response from a marine lender in 24-48 hours. If we need additional documentation, we’ll reach out. All you have to do is dream about getting on the water. We’ll help you find the interest rate and boat loan lender that fit your budget and lifestyle.

What are people saying?
With nearly 30 years of experience in the marine industry, Trident Funding is the most trusted boat lending partner in the United States. Read below why hundreds of boat buyers have rated us 5 stars.
Dave A. ★★★★★ Vinny and his team were great! They made the process easy and went out of their way to make sure things were got done.Very happy with their service!Paul H. ★★★★★ I have used Trident funding in the past & I'm currently in the process again. The level of responsiveness, honesty and helpfulness is nothing but incredible. I have recommended numerous people to Trident and will continue. Thanks Vinny again for all your help.Alan T. ★★★★★ Vincent Luzietta did a great job of handling my boat loan. He communicated each step of the financing, was patient with any questions I asked, and expedited my loan as quickly as possible.I would recommend Vincent and Trident funding if you are considering purchasing a boat.Joan C. ★★★★★ Vinny provided excellent and efficient service and was a pleasure to work with. I highly recommend!jorge G. ★★★★★ This was my 3rd time to finance a boat with Vincent at Trident and was as always easy and smooth sailing!Jim C. ★★★★★ Kristy Deboer was a pleasure to work with and a consummate professional getting our Yacht funded. We had to work through several of them (failed surveys etc.) before finding the right one and Kristy was always right there to help us get through it. She is a credit to her company and words cannot express my gratitude for her assistance.Hector P. ★★★★★ John was thorough , professional and informative, would definitely use him againJohn C. ★★★★★ Vinny gets it done. He and his team were great to work with, they were extremely responsive, thorough and precise. I would recommend them to anyone. I have delt with many financing companies and it was like pulling teeth, Vinny at Trident makes it a smooth easy process.Thanks guys!Pearse M. ★★★★★ Excellent client solutions driven financing provider.Daniel M. ★★★★★ I’ve used Trident twice now for my boat loan. They are fast, responsive, creative, and detailed. Excellent communications by phone, text, and email from them. They coordinated with my dealer, licensing agency, and lender seamlessly, and even assisted in referring an insurance broker for what was a difficult time to place insurance in Florida. They could not have been better! Thank you John, Amy and team!David M. ★★★★★ Kristy was excellent at describing the process and everything went as planned.Dan H. ★★★★★ Kristy did a fantastic job taking care of our needs. Very friendly & professionalScott M. ★☆☆☆☆ Confrontational, rude, underserving lending staff. John treated us like second class citizens and dismissed our concerns without conscience. Horrible experienceGina B. ★★★★★ Trident has funded nearly all our loans over the past 20 years. Vinny is fantastic! I wouldn't use anyone else!Patrick C. ★★★★★ This was my first time buying a boat and I was unfamiliar with the process. John patiently explained the process and answered my questions (even though some were probably pretty silly and a little naive), and, basically, "held my hand" through the whole process.The whole process went very smoothly and efficiently. John and his people kept me updated and informed all along the way and were very clear and precise about exactly what documentation or other information they needed from me to complete the process and close the loan.I would definitely recommend John and Trident Funding to anyone contemplating buying a boat. Heck, I would recommend John to my mom if she was looking to buy a boat.Andre A. ★★★★★ AMAZING costumer service. We got referred to trident funding. Vinny and his team has been fantastic, super fast turn around, very good communication. Very responsive emails and phone calls. No complains what so ever so happy to have been referred to trident funding! Can’t wait to start enjoying our boat! Thank you so much!!!!Brad E. ★★★★★ Trident Funding and Leslie were great to work with when we were buying our boat. I would definitely recommend them and use them again.Stella M. ★★★★★ Tammy L. ★★★★★ Vincent Luzietti has been an absolute pleasure to work with. He has offered guidance throughout this process along with being diligent in the follow up process from beginning to end. He has made our experience with Trident nothing but positive!!Matthew B. ★★★★★ Vincent L. and Trisha ROCK! They moved quickly, helped me through a process that I was not familiar with (I mean how many boats do you buy?!?), were quick to respond, fairly priced, great rate and most importantly kind. I would recommend them to anyone that needs financing on their boat. Thanks againPete K. ★★★★★ Vincent was an absolute pleasure to work with. He answered all if my questions quickly and professionally even when some of my questions were not terribly professional. When you thank him for answering a question or solving a problem he responds with a typed " Your welcome" Who does that???Excellent professional in all areas. Very helpful.Darius K. ★★★★★ Vinny provided me with a great rate and he is super quick! It's always a pleasure working with him. He is probably the best loan specialist out there!RALPH D. ★★★★★ This is my 3rd boat loan with Vincent and the Trident Funding team and I could not be happier with the service they provide. They make you feel like you are the priority. Would not go elsewhere for my boat loan needs.Andrew R. ★★★★★ Vinny and his team provided excellent service and are unflappable when dealing with all of the details. They have fabulous funding contacts who understand the details associated with buying and financing a boat. Couldn't be more pleased.Tracy B. ★★★★★ We are just wrapping up our loan with Vincent to secure a loan for our catamaran. He is an ACE! He is responsive and quick to return emails. He explained everything thoroughly and always calls us back promptly, even after hours. He is thorough & professional. Can honestly say, he is making the process less stressful. Vincent offered us a competitive rate and has a can-do attitude. He has been very friendly and courteous throughout the process. We would highly recommend him and grateful we had a professional to help guide us through.Peter D. ★★★★★ Excellent experience for the second time! Same day loan approval, without the hassle of dealing with the bank. Professional, seamless and no-nonsense. Loan closing took 12 minutes from the time I arrived to the time I was back in my car. Thank you to Vin and the Trident Team.Kevin M. ★★★★★ Great working with Vinny at Tridentjohn M. ★★★★★ I have done two transactions using Trident Funding, Vincent and his team provide customer service unlike anything I have experienced in 30 years. I’ve dealt with a lot of excellent companies but this operation takes the stress out of luxury financing. No surprises no mistakes, no pressure. My first transaction was smooth, it was during Covid and we did the closing on the hood of a car in a parking lot wearing masks. This time the closing was remote and I asked if it was possible to move up the closing by a week to accommodate my schedule. They were happy to accommodate and I had no idea what I was asking… Vincent was on vacation, he was emailing and closely tracking my entire deal from what was supised to be his vacation, emailing daily for most of the week, Joe from Trident met me half way between our offices to hand deliver the closing docs so I didn’t have to drive all the way to their office - way above and beyond… and when it was all said and done, after it was a done deal finished closing, Vincent called me and said he was able to lower my rate because the fed has just adjusted the prime. Trident redid all the paperwork, just to pass the savings on to me. Like I said, I have not experienced Service like this anywhere, especially in finance. Thank you Vincent Luzietti, Eliana, Debby and Joe! Trident Funding you won’t find better service and their approval process was fast and the rate was by far. Vincent also referred me to an insurance broker who provided excellent service and pricing.Lisa P. ★★★★★ We have used Vinnie for many transactions over the years, and he always provides excellent service. He is efficient, easy to work with and a pleasure to do business with. We highly recommend Vinnie Luzietti and Trident Funding.tr1877 ★★★★★ Just got my 3rd boat loan through Trident Funding. Vinny is an absolute pleasure to deal with and makes the task of financing a boat easy and quick. I highly recommend Vinny at Trident Funding for all your boat loans. Thank you..james D. ★★★★★ I had a tremendously positive experience from start to finish with Trident and Vincent. He was great to work with and made the process seamless.Elizabeth R. ★★★★★ Joan was amazing throughout the process. Highly recommend!J F ★★★★★ Mike and his team at Trident Funding were remarkably responsive throughout the boat buying process. At each turn, they worked to explain, offer thoughts, & provide options. In a very timely manner. I would recommend Mike to friends - and, if financing in the future, would reach out again without hesitation.Pedro R. ★★★★★ *****TRIDENT FUNDING 5-STARS *****Buying a boat can be scary, specially when your dream boat is not located in your neck of the woods. Trident Funding made my experience fast and easy, starting from appointing a boat inspector to engaging a title agent right down to holding my deposit in escrow until the sea trial took place. I highly recommend Lesley, she is a pro!!!Ryan R ★★★★★ I’m always wary when I see too many 5-star reviews, but the team at Trident really deserves them. Great communication, excellent advice, and they managed to hold on to an expiring lower interest rate by appealing to the lender for a brief extension. I can’t say good enough things about Lesley and the team, and I’ll only use them for funding.Eric M. ★★★★★ Vincent was great to work with! Just bought out first pontoon and used Trident to find funding for it. He is extremely quick to respond, and if he doesn't have an answer he will get it for you! 100% recommend!Paul B. ★★★★★ Everyone was very professional and performed as agreed to.Sydney G. ★★★★★ Vincent, made the process very easy for me to purchase my new boat. Extremely efficient and professional offering very competitive rates as well.PAINLESS. Thank you Vincent. Martybob R. ★★★★★ Shanna and Trident Funding were amazing to work with on my new boat loan. One the most seamless and easy processes I've been through. Shanna's responsiveness and communication was 5-star. I would highly recommend using Shanna and Trident Funding. I know I will next time!B. S. ★★★★★ Leslie and the Trident team were excellent to work with. They explained the process, we’re transparent about everything, let me take my time and ask questions, and everything went through without a hitch. I highly recommend them!JAMES B. ★★★★★ Great service! Mike and Leslie are friendly, helpful, and competent!Victoria Wong B. ★★★★★ Lesley Bishop and the Trident Funding team were great to work with! Our boat loan was complex since it was purchased internationally (Canada), but Lesley helped navigate us through the process smoothly!John V M. ★★★★★ Mike is an amazing person. He really helped me out on a loan for my new boat. He was always available and immediately responded to all of my questions.Deena M. ★★★★★ Joan is amazing! On top of everything, so thorough and I highly recommend her!!!!!!!!!Greg W. ★★★★★ Vinny at Trident Funding was excellent to work with. He was incredibly communicative – responding in the evenings and on weekends within minutes of receiving an email from me. He is very well networked within the yacht brokerage community and had great recommendations when I needed additional services. He was able to secure our loan with no issue and made the entire process easy. I would highly recommend his services to anyone looking to secure a boat loan.mike C. ★★★★★ Mike Jenkins and his staff are responsive, attentive, and creative. For me they eliminated the financing stress of buying a boat. They will be our go to financing team when we move up in a few yearsTaylor H. ★★★★★ Financing was as promised and the team rallied to meet a tight closing timeline. All members of the Trident team were professional and very easy to work with. Definitely use them again.Mike R. ★★★★★ We have been Trident Funding customers since 2003 and have financed 4 boats through them over the years. Michael Jenkins and his team are very knowledgeable, responsive, and always find the best rates. They accommodate their customers schedules and needs and go out of their way to ensure customer satisfaction. When it's time to finance the next boat, there's no question who I will reach out to!Robert S. ★★★★★ Waiting for a very long time to buy a boat, concerned over the financing and going through what was expected as challenging, Vincent L. made the whole process so easy, simple and fast!I highly recommend Trident Funding for you boat financing needs!Don C. ★★★★★ Jeffrey M. ★★★★★ Marty was awesome to work with. Very knowledgeable and smooth transaction!!Irishhoag1 ★★★★★ Great communication. Fast closing. TyDavid W. ★★★★★ Vincent was terriffic throughout the process. Super efficient, helpful and amazingly responsive. Will reach out to Vincent and the crew at Trident for all my future needs. Thanks so much!!mpk00 ★★★★★ What a great experience. Jim Weston is a true professional that knows yacht financing well. Will definitely use Jim and Trident in the future. Thank you again.Michael R. ★★★★★ A flawless and seamless transaction with Trident. Vincent is top notch and on point. This is my second purchse using their services and it couldn't have been easier. Recommend A+A+A+A+john P. ★★★★★ I have dealt with Vincent for many years and on many loans from a 28 ft boat all the way to a 112 footer he always gets me the best deal and in a quick turnaround. I would not go anywhere else. thanks VincentChristopher C. ★★★★★ I just financed our latest boat through Karen at Trident and she made it the most pleasurable boat buying experience I have ever had, and this is our 8th boat!! We will definitely be using her for all of our future boat purchasing needs...Thanks Karen!!!cnrgmoore109 ★★★★★ Joan was amazing. Extremely organized and thorough. She was able to get us a much better rate than the dealership in a short time frame. Very knowledgeable and competent. Thank you Joan and Trident Funding!.Mateo D. ★★★★★ I've been very happy with my experience at Trident Funding. Joe Connolly and Trident have been very helpful and responsive to all questions/concerns.Chris E. ★★★★★ I have worked with Vinny on 3 deals since 2015! (one fell through due to poor boat survey). He is very knowledgeable, has been in the industry for several years. He is as fast and professional as you could ask for! Highly recommend if you need boat financing!John E. ★★★★★ I worked with Joe Connolly in early 2022 to purchase a boat that we are currently doing the Great Loop on. Jeff and Trident Funding were very responsive and easy to work with. I would highly recommend using them to for the purchase of your next boat - they know what they are doing when it comes to marine financing.* R. ★★★★★ We really liked working with Trident Funding! Customer experience was superb and rates were better than our other options. It made buying our first boat very smooth and appreciated not having to worry about this area of ownership!Patti M. ★★★★★ Happy to announce that we have just closed on our fifth boat with Vincent Luzietti of Trident Funding, providing us with (once again) the most competitive rate and excellent service that we have become accustomed to. If you want someone who checks and rechecks, dots the i's and crosses the t's, answers and returns all calls and questions, is honorable and amiable, then he is your guy.It was an enjoyable (and somewhat entertaining from my point of view) experience to watch both Vincent and my fastidious husband at the closing feeding off each others need for accuracy. Needless to say, our choice of Vincent and Trident Funding is, and has been a "no brainer" for 30 years. We wouldn't have it any other way....Thank you once again Vinnie! BRATS' BOAT is grateful to know you.Dan C. ★★★★★ John Schachel was instrumental in getting the financing in place for us to purchase our boat. He kept in constant contact with us and facilitated all the paperwork to make this transaction seemless.Charles A. ★★★★★ My loan officer was very knowledgeable and was a joy to work with. I will use John again for all my boat loan needs.Peter A. ★★★★★ We highly rate Vincent Luzietti, of Trident Funding. He is the most responsive, service-driven and success-driven business executive we know. He makes things happen quickly and well. He helps our clients with funding, and that makes boat deals happen well. His response to any communication is immediate. We at Essex Yacht Sales highly recommend Vincent.raquel L. ★★★★★ Once again Vinny has been a pleasure to deal with. The process was seamless and expedient. When we purchase new boats or family does, Vinny is always the first we all call. Always keeps me informed, along the whole process.Everett H. ★★★★★ This was a lengthy process made more so because we changed our minds twice, but John was patient and supportive throughout, and considering what has happened to the economy, our rate is at least acceptable.Michael M. ★★★★★ I recently purchased a boat and had to resort to the internet to find financing. After some research, I ended up calling Trident Funding, specifically John Schachel. This was one of those times I got lucky and found a great resource. John made the process of financing my boat simple and was very responsive and straightforward. If you are looking to finance a boat purchase, I highly recommend John Schachel at Trident funding.Robert L. ★★★★★ Glad I found Trident Funding. They were able to get me approved quickly and promptly responded to any requests I had. Would definitely use them again!Jamie S. ★★★★★ I had a great experience with John. He handled my boat loan professionally and made the process very easy for me. I would definitely recommend doing business with John and Trident Funding!Thanks for a great experienceSteve C. ★★★★★ Kristy was a pleasure to work with and made the process very easy.Tony S. ★★★★★ Kristy did a great job!!!Christopher R. ★★★★★ Unbelievable is the word that comes to mind. I’m still pinching myself because this was absolutely the quickest most convenient and painless experience I have ever had in regards to any lending experience. Vincent is a go-getter who is hungry who is ethical who is driven for success at any expense. He works on Saturdays and Sundays Mondays, Tuesdays, Wednesdays, Thursdays and Fridays as well. You never wait for a reply or response or call back he is just amazing. I own many boats aircraft houses cars you name it and again this is been the easiest lending experience ever. I submitted him my financials on Friday and within several hours I had a full approval. He understands, and the people that he works with understands, the financials of business people instead of asking redundant stupid questions like so many other lenders do because they don’t understand business people’s financials. Thank you so much Vincent and I look to a Long future with you.Marc N. ★★★★★ Joe Connolly was great to work with at Trident. It was seamless and easy . I would work with him again !!!!Mitchell B. ★★★★★ Christopher S. ★★★★★ Joe was very professional and helpful with getting a boat loan. He and Trident Funding made all the logistics easy and painless. Thank you!Matt A. ★★★★★ Thanks Karen you made this a very easy and pleasant experience. On top of every detail and great service. Thanks to everyone that helped with getting this done!! Definitely would recommend Trident financial.Michael L. ★★★★★ Karen was great took care of everything made the loan process very simple and easy.DAVID H. ★★★★★ Karen Floyd worked with me for two years in my search for my next boat. I would update her from time to time, letting her know that I was still in the search. She was always very positive and upbeat. During the actual financing process Ms Floyd was extremely helpful, supportive, and of course, professional.Tony A. ★★★★★ Great service .would recommend to others no problem.Tim W. ★★★★★ Karen Floyd and Trident Financial was a dream to work with. Constant communication! Every time I called or emailed Karen ALWAYS picked up the phone or answered my email with 10 mins. I couldn’t ask for a better loan creation experience. Thank you Trident!! And thank you Karen!John Brown I. ★★★★★ Vinny at Trident Funding has been helping Hitchcock Landmark Marine for so many years and continues to do so!Truly a professional and also a friend. Highly recommended when it comes to financing your next boat.Andrew C. ★★★★★ Vinnie does an outstanding job. He is timely and detailed oriented. Most importantly he has the sense of urgency to secure approval. It is a pleasure to work with Trident.Chris G. ★★★★★ Extremely professional. Great rates. Makes the loan process painless and extremely fast to close. Couldn't be happier with their service.Keith A. ★★★★★ I have been helping boat buyers find their dreamboats for the last 22 years and it has been a wonderful experience, but it wouldn't be possible without the help of Vincent Luzietti and Trident Funding LLC. Vincent and his team are the best within the boating industry; always professional, works with the clients to obtain the lowest interest rates and best terms possible, responds quickly, great communication and always gets the job done with a smile on his face. All my clients love working with Vinny and so do I. He is considered the GOAT of Marine Financing. Thank you for everything that you do Vincent and Trident Funding. You are truly the best!!Bruce M. ★★★★★ When I have a customer who needs boat financing, I suggest they call Vin Luzietti of Trident Funding. Vin is very professional, very easy to work with and offers super rates. Bruce MacMillian, Essex Marine Group.Robert D. ★★★★★ Great job made it easy !steven L. ★★★★★ I had the great pleasure of working with Vinny on a recent boat purchase. A few curve balls were thrown our way due to production delays, all of which were easily handled by Vinny with grace and professionalism. Vinny's expertise was on display during the entire process. Thank you Vinny! SteveRob M. ★★★★★ This was our second experience with Vinny at Trident, and both were fantastic! Vinny is a true professional, very responsive, easy to communicate with, and made the whole process effortless. We were able to lock in a surprisingly low rate, but we did not find "the boat" until 1 week before the rate expired. This is when Vinny got to work! He worked through the hurdles in short order and got the deal done in time. We are happy to give Vinny and Trident our highest recommendation!A Google U. ★★★★★ I have used Trident funding twice to finance boats. The service is spectacular. Highly professional teamAnne D. ★★★★★ Such an easy process. Marty was so responsive and did a wonderful job. Would highly recommend.Chris S. ★★★★★ Ed R. ★★★★★ Once again Trident has gone over and above in the service department, finding the best rate and adding a level of personal touch that can't be found this day and age. Over the past 14 years, This will be the third vessel that Trident Funding has been a part ofand for us.. probably wont be the last. If your looking for the right full service lending company... you found them!Yuriy B. ★★★★★ Thanks.Rich A. ★★★★★ A special thank you to Vincent and the entire staff at trident funding. They were extremely responsive, helpful, and efficient. I would highly recommend using their services, as they went above and beyond to ensure everything went smooth through a stressful process.Spencer F. ★★★★★ Good fast response. Friendly and helpful.Highly recommend TridentJonas G. ★★★★★ Wonderful customer service and a true joy to work with.Jon B. ★★★★★ Vincent was great to deal with. He made the whole process very easy from start to finish.Jeff A. ★★★★★ The whole team was professional, available, eager to help and on top of the whole process. Mine was a private sale, so their guidance to assure that myself and the seller completed all the right documents was a critical part of making it feel easy. Thank you team Trident!Barry S. ★★★★★ Was throughly happy with Vincent's quick response and availability. Pleasure to work withShaun M. ★★★★★ Wow such an easy process!! Jim Weston is a pro. He made my boat loan go through so smooth and seamless. Trident funding is the place to go for boat loans. Prior to going through Trident I tried 2 other credit unions that had no clue on how to do boat loans, but claimed they did. At the end of the day Jim got it done so easy with a great interest rate.Xavier N. ★★★★★ I have been a customer of Trident Funding for 20 yearsThey help me finance 4 BoatsThey are caring, timely professionalsOInly ! Great complimentsDavid W. ★★★★★ Jim Weston at Trident Funding was a pleasure to work with. Besides taking care of my loan he connected me with the right people for transport. Great service and communication !William H. ★★★★★ Vincent is THE hardest-working guy in the business! We have used Trident for 2 boats and they are great to work with. It’s not going to take you long to know Vin has you covered. The hardest part about working with Vinny is that I never knew which of the 3 versions of his name to call him! 😀jacob K. ★★★★★ Easily reachable & amazingly fast service. Couldn’t have asked for more.Andrew S. ★★★★★ Vinny is excellent to deal with. He was responsive to my questions, whether it was over the weekend or after hours. He made the financing process much easier than it was looking.Nick S. ★★★★★ Vincent at Trident Funding was amazing. Got approval quickly, he worked with us when we had to change out boat purchase and get an extension approved. As with any big purchases a couple of curve balls were thrown near the end but Vincent handled them with no problems and we closed without a hitch. I highly recommend them.Ren L. ★★★★★ I was paired with Lesley for my financing and could not have been more satisfied. Very happy new owner of a 2016 Mastercraft X10. Process was incredibly smooth and took about 2 weeks from approval to picking up my new boat. Would definitely use again.jane M. ★★★★★ Vinny was great. Really made the entire process fast, easy and stress free! Wouldn’t use anyone elseTommy C. ★★★★★ Vinny & his team were super thorough and easy to work with. Loan obtained and finalized in 9 days! Answered all my questions in a timely manner, often within minutes. Made this entire process of our new dream boat stress-free. I will use Vinny & his team again!KR D. ★★★★★ Very efficient service. Would definitely use again. Thanks Vincent!Drew C. ★★★★★ Fast and easy application process. Everything went smooth start to finish. Would highly recommend.Tiger V. ★☆☆☆☆ Guess I'm the only one not impressed with their service. Don't think my person assigned to my loan, Daniel Moreno, has been doing this very long. This was my 4th boat loan and the only reason I tried them was because they advertised very low rates? My credit is excellent. The rate I got was sub par and he literally used the same lender I just closed my previous boat loan on. I could have done this myself and eliminated the middle man and fees. He really did not make the process easy at all and took nearly 2 weeks where as last loan directly through same lender took 2 minutes. Never signed so many documents since buying houses and they didn't even know what documents they had or needed giving me the absolute run around. He really did remind me of a used car salesman. Hind sight ended up being a waste of my time and money and got hosed on taxes. A little help Daniel... learn your craft and help out your fishing community. Enjoy your commission for absolutely nothing. Disappointing experience to say the least. Will not use Trident in the future.ed A. ★★★★★ Prompt and Excellent ServiceThanks againBrad K. ★★★★★ Vinny was helpful through the entire loan process and always quick to answer questions when I had them.Vinson H. ★★★★★ Marty walks you through the process. Answers emails and text right away. Highly recommend Trident Fundingmatt O. ★★★★★ After looking all around for funding of our new/used boat I was getting frustrated with either terms, interest rate, speed of communication, and the fact that a small loan most lenders wanted Mortgage type paperwork. On a whim I reached out to Trident and immediately Vincent Luzietti got back to me, not only with a response, but an approval. Vincent is prompt with getting back to you, always taking the time to respond to the simplest questions. We should be back in the water for shortly and would recommend to all of my network, reach out to Vincent at Trident Funding for an easy to do business transaction.thanks!Matt and Tara O'KeefeChristopher O. ★★★★★ Vinny was professional, expedient and very knowledgeable. Made the whole process smooth and easy. Highly recommend!👍🏼👍🏼Mark N. ★★★★★ Jane was fantastic to work with from my first call to her to our closing meeting. We really appreciate her timeliness in responding to us to enable us to move forward.Rod T. ★★★★★ Vinny Luzietti of Trident Funding LLC is simply terrific! We recently purchased a new Back Cove and asked Vinny to help us with the financing. From start to finish he was professional, proactive and consistently thorough - he was a pleasure to work with and worked hard to get me a very favorable rate. If you are considering a new boat, do yourself a favor and give Vinny a call, you will not be disappointed.Ashu V. ★★★★★ Karen at Trident Funding is absolutely phenomenal. She was extremely responsive and explained the thoroughly explained the process. We would highly recommend her to anyone looking to finance a boat. She also offered competitive rates. It was a flawless process!Calvin B. ★★★★★ Vinny was great. Easy to work with and went above and beyond several times to get me information that I needed but wasn’t sure how to get. On top of all that, he’s a nice guy! Highly recommendMark H. ★★★★★ Outstanding coordination with my broker and insurance agents. And superb customer service. All of my questions were answered promptly and quickly.Russell C. ★★★★★ Vinny was down to earth easy to work with and his response time amazing he made dead line that was important to me and family will do more work with him in the futureJim B. ★★★★★ Karen is very good at what she does!Will B. ★★★★★ Michael and Lesley were both great to work with, helped us understand our loan options, and were quick to get our application processed and approved! Highly recommend!Sean M. ★★★★★ We could not have been more pleased with the ease of the process to secure our boat financing. Vinny and the Trident team got everything prepared for us remotely by working with our broker and insurance agent which allowed us to enjoy our vacation. Status updates were frequent and helped us know all was proceeding properly.Great service, solid communications, efficient.Highly recommended!Andrea H. ★★★★★ They were very easy to work with and super fast! Michael was amazing! Would recommend them and use them again!Brennan B. ★★★★★ Vincent at Trident Funding was excellent at processing my boat financing and getting me a good rate. The steps were quick and easy, with good communication. I would highly recommend Trident Funding if you're in need of finance options.Erik R ★★★★★ Trident Funding came highly recommended to us and it was a great pleasure working with Vincent Luzietti and his team. He/They moved quickly to find us a great rate, handled all the details of our transaction, promptly responded with clear explanations to all of our inquiries, and coordinated a very smooth closing. I would absolutely recommend Vincent and his team!Esty R. ★★★★★ Vinnie has been amazing to work with. I never had to wait for an answer on anything. He was available 24/7 to answer emails and phone calls. In all my time dealing with brokers I never worked with someone so efficient before. Its been a real pleasure!!Mike M. ★★★★★ Vinny at Trident did a fantastic job with our loan for our new boat. Would highly recommend using him and his company very knowledgeable and gets it done quicklyJohn W. ★★★★★ Second time working with Mike and his team at Trident. Everything was professionally and quickly processed. Very happy with both transactions.Flunati1 ★★★★★ This is my 4th boat loan through Trident Funding in the last several years. Always the best rates and terms and a pleasure to work with Vincent! He really went out of his way to accommodate mine and my wife's schedule and got the deal closed within 2 weeks! Thanks Vincent!!Jamie G. ★★★★★ Vincent and Trident funding made the loan process for our new boat easy and painless. Great communication all the way throughout the process. Highly recommendMark M. ★★★★★ We worked with Vinny Luzietti out of Shelton, CT on a boat loan. He was very knowledgeable and professional, and was helpful throughout the process. He always responded quickly to questions, and the office visit to finalize the deal was friendly and efficient. All good! Thanks!James M. ★★★★★ The process and communication was excellent. Vinny was always available to answer questions and move the process along. I would use Trident Funding again.Steven D. ★★★★★ From start to finish Vincent made the whole process as easy as can be! He was super informative and answered every question i had. Walked me through everything and even got the loan completed in 2 weeks! Couldn’t be happier with vin and the entire trident staff.John S. ★★★★★ Trident Funding made this process extremely easy. They were an excellent client advocate guiding me through the boat purchase process. Vincent and his team were very prompt and knowledgeable. This was my first purchase of a boat of this caliber and was very glad to have there assistance. I would highly recommend Trident and Vincent Luzietti!surf D. ★★★★★ Trident funding is an Outstanding organization. I worked personally with Vincent who was extremely professional, courteous and responsive. He promptly answered all my questions in a professional manner paying attention to every detail. I also work very closely with Dawn who was also extremely professional prompt and courteous. This organization is second to none and I highly recommend them.Wayne ★★★★★ Vincent Luzietti went the extra mile to find suitable financing at affordable terms for my 25 year old boat. He is always quick to respond to calls/texts/emails and is cheerful problem solver. He coordinated not only financing, but timely documentation and title search through the understaffed CG Documentation Center in record time. Bravo Zulu to Vinny and Trident Funding!Raymond M. ★★★★★ Great job! Marty was a pleasure to work with.Crystal H. ★★★★★ It was such a pleasure working with Jane. She went above and beyond to help us with the purchase of our boat.Matthew S. ★★★★★ I highly recommend Vinny and everyone at Trident Funding. Not only was Vinny responsive, but he was extremely helpful and knowledgeable. It is rare to find this level of service today. Thank you, Vinny and team!JANE C. ★★★★★ Phenomenal customer service and follow up. Organized and concise. No question the organization to use for boat financing.Cara S. ★★★★★ Our experience for obtaining a loan with Trident Funding was exceptional, all things considered. Shout out to Marty Huff and his team who got this done in record time! Long story short, go with Trident Funding and don’t let snail mail scare you! Now if you want to know why, then continue reading. Story time.My wife and I were applying for a loan to get our first ever boat, a used boat. We applied to two lenders: one being a credit union who is capable of e-sign and the other being Trident, who is not caught up with times and had to overnight FedEx our loan documents, which must be signed/notarized and overnight sent back via FedEx. We were pre-approved by both lenders with the same terms, so we anticipated on moving forward with the credit union to expedite the process by taking advantage of e-sign capabilities. On Monday, I received a follow up e-mail from Marty asking when we were looking to move forward with the paperwork. I e-mailed him back thanking him for his time, but we were moving forward with a different lender. He replied with no hard feelings and wished us the best of luck. However, that was until the credit union completely changed all the promised terms due to the age of the boat when we began to move forward (which was BS considering they knew the age of the boat when we applied, but that’s fine).I quickly called Marty explaining our situation. He told me no worries and the pre-approval was good for 30 days. More importantly, the terms were still the same. Here is where Marty went to work. I provided all paperwork on my end. Marty contacted the broker, who also went to work. The broker sent all the necessary requested paperwork. By the end of the business day, Marty overnight sent all loan documents with clear instructions via FedEx with tracking. On Tuesday, I received the documents. Marty saw the loan documents arrived and reached out to ensure he was available should we have any questions when signing the documents. My wife and I got the loan documents notarized/signed and got them overnight sent back via FedEx with the provided pre-paid packaging. On Wednesday, the loan documents were received by Trident early in the morning. One last document was needed from the Broker/Seller, which was done by the end of the business day. On Thursday morning, our loan was funded by the bank! The broker had to wait on the seller to sign off and finalize, but we were in our boat that officially became ours on Saturday!Long explanation, but if that story doesn’t speak to why you should go with Trident Funding and ask for Marty, I don’t know what will. Thanks Marty Huff and your team for your hard work. My wife and I are enjoying our boat as promised!Gina R. ★★★★★ I had an amazing experience with Vinny @Trident. He truly was a pleasure to work with, on point, experienced and on top of everything from beginning to end. He was responsive and answered all the questions. A pleasure to work with someone that knows his stuff! Thank you Vinny & team- you were a GEM!don F. ★★★★★ it was a pleasure dealing with Vinnie he made everything very easy and simple would deal with him tomorrow again thanks VinnieGarrett C. ★★★★★ Vinny was fantastic. Very responsive and closed on the boat within hours of the boat arriving. Will definitely use them again.Karen L. ★★★★★ Vinny was fantastic. He was very efficient and made the process so simple. I highly recommend Vinny and his organization.ioan W. ★★★★★ Lajos H. ★★★★★ We Had the most smooth and pleasant experience with Trident funding , Vinny and Amie were very helpful. They were professional, and pleasure too work with. We would highly recommend them for your financing needs.Bryan S. ★★★★★ Trident was very professional and prompt. When I needed help they were just a phone call away. I drove quite a distance to pick up a boat to my liking and was on a time table. Shanna and Amy were courteous and professional in meeting my needs, and everything happened on time. Thanks for all your hard work.Jason B. ★★☆☆☆ Frustrating experience. Filled out their loan estimator info on the home page and was shown with my parameters that I would qualify for a boat loan with 4.99% (I have top tier credit). Went ahead and applied for a loan based on that and was quoted a rate of 6.74%? Would not have formally applied and had a credit inquiry on my report if I would have been presented such a high rate at first. I must say that the President of the company did reach out to me directly to apologize.Don C. ★★★★★ I can’t say enough about Vinny. From beginning to end it was the smoothest transaction that I have dealt with. He definitely went above and beyond to get my deal closed. I highly recommend him and will definitely be using him in the future.Hob B. ★★★★★ Jane Tayman and the entire Trident team was incredibly professional, responsive and service oriented throughout the entire process! Highly recommend.Patrick D M. ★★★★★ Vinny has helped me out twice now, and in both cases he made sure my closings stayed on track and moved forward. He always answers his phone and emails, and goes above and beyond in servicing his clients.Christopher C. ★★★★★ I cannot say enough good things about Trident Funding (5+ stars). Vincent and his team are extremely responsive, knowledgeable and timely. They do exactly what they say they will do from the beginning to the end of the loan process. Always two steps ahead of you as the client. You do not need to chase them like other lenders during the process. They exceeded my expectations. I highly recommend Trident Funding.Donna M. ★★★★★ Vincent Luzietti at Trident Funding helped us get our boat loan without any issues. it was an easy process and Vincent was always reachable if I had any questions. Thank you for making this a process trouble free.joe m ★★★★★ Call Vincent if you want to deal with a pro!!Andrew R. ★★★★★ The process could not have been more simple. Communication was fantastic and every phase was seamless. Will definitely use them again.Megan S. ★★★★★ Lesley and Mike were great to work with! Responsive, answered all our questions, and got us an excellent rate. Recommended.Jennifer M. ★★★★★ Jane was fantastic- again! We have used her assistance with several boat loans over the years and she delivers exceptional service!William C. ★★★★★ Trident Funding made my vessel purchase quick and easy. Regional Sales Manager Jane Tayman answered all my questions either immediately or within minutes which I found extraordinary. I recommend Trident to anyone financing a vessel.Daniel G. ★★★★★ We used Trident Funding to help us secure a loan for vessel we were purchasing and John Schachel was very helpful with the whole process from start to finish. Our process was made a little complicated with insurance and survey's which slowed it down more than I'd like but the Folks at Trident helped us however they could and ultimately made it a good experience.Lindsay R. ★★★★★ Our experience with Marty was smooth and without any bumps in the road. He was very timely with his responses and easy to communicate. We highly recommend working with him!John B. ★★★★★ Great experience! Lesley helped guide us to a great loan and was knowledgeable and patient with us while we searched for the ‘right’ vessel, which is difficult given the demand. Great team to work with.Joel L. ★★★★★ Highly Recommended!! Trident Funding worked quickly and very diligently to get my boat loan approved!! Lesley was amazing and couldn't be more happy with the whole process!!Craig B. ★★★★★ Bradley S. ★★★★★ Used Trident to source financing for my sailboat. They were very responsive and patient with all of my newbie concerns/knowledge gaps. Had the best rates available by FAR!Darren G. ★★★★★ wow, mike at trident funding was such a pleasure to work with. I closed on my dream of owning a sailing trimaran this morning. the only way this happened was because of how easy it was to converse with mike and how fast he was to get back to me with his questions and my concerns. I originally went with a big bank that had a good reputation in the area, still havent heard back from the big bank!!! glad I went with mike - I cant wait to get back on the water in my new boat!!! thanks mikeJamie S. ★★★★★ I worked with Michael Jenkins on the funding of our Beneteau sailboat and the process couldn't have been any better! The transaction was a bit more complicated in that we were purchasing the vessel from Canada and had to import into the US. Our initial lender couldn't help us due to it being a foreign transaction. Michael came to the rescue, was super helpful through the whole process, and made it a truly quick and painless transaction for us. I can't recommend Trident Funding highly enough!Aubrey B. ★★★★★ Jim H. ★★★★★ Mike Jenkins made our boat funding process so easy! He exhibited great patience as our closing shifted multiple times due to boat delivery delays... Additionally his rates were the best! It's always a pleasure doing business with professionals that you can trust and Mike is one of those individuals!!! Most strongly recommend him!!!Barry M. ★★★★★ Jim and Regan H. ★★★★★ This is our second round with Trident - We returned for good reason. The service and performance were 5-Star on both occasions. We'll be back a third - but only if we "need" a different boat somewhere down the line. Many thanks to Trident.Robert S. ★★★★★ Jane was very informative and responsive throughout the entire process, and I highly recommend her and her team!R L. ★★★★★ We have financed 2 boats with Mike at Trident. Both times the process was quick and straight forward. I have an adversity to loans of any kind but with no early payment fees, it made it an easy decision. If we buy a third boat, I would use them again.C B. ★★★★★ Great Experience purchasing our HCB 42' !!!! We bought from a private seller and Jane helped us through the entire process. Thank you!Perry ★★★★★ Mike at Trident was great to work with! He was very helpful, personable and made the loan process easy and it went smoothly. I would highly recommend them.Buzz M. ★★★★★ Working with Michael Jenkins in the financing of my boat was a straight forward and good experience. He did an excellent job in obtaining the best possible rate for my purchase. He gave me multiple options to consider. Very responsive and always got back to me quickly with professional answers to all my questions and concerns. I highly recommend Trident Funding!Wendy W. ★★★★★ We worked with Lesley on financing our new boat and she was incredibly knowledgeable and efficient. I hope I keep our new boat for 10+ years this time, but if not - I'll definitely use Trident Funding again. 🙂Dave B. ★★★★★ Trident funding really sets a high bar when it comes to the marine industry. They are responsive, timely, and professional. Mike got me the lowest interest rate on my boat that he has ever seen - so that's a win for everyone! Given how busy this industry is these days, and it's generally more "relaxed" approach to doing business, I really appreciate Trident and their support and sense of urgency. Will definitely go back to Mike for my next boat!Andy H. ★★★★★ Karen Floyd was off the charts! She made everything go very smooth. Thank you Karen and Trident Funding.Bryan E. ★★★★★ My wife and I were turned down by a few banks before it was recommended we give Trident a try, and I am so glad we did. We were turned down by our bank, and given an extremely high interest rate at another. When I contacted Michael at Trident I was not very hopeful we’d be able to get a loan. To our surprise we qualified in less than 24hrs with an interest rate that was almost half of what one credit union quoted us. The process was quick, professional, and trident was very communicative allThe way until we closed. We couldn’t recommend more!Michael H. ★★★★★ John and the Trident team were great! We had a deadline to meet and they all came together and worked hard to make the process seamless and make sure we were able to close the financing on time to meet our deadlines. Thanks to John and the entire team!John M. ★★★★★ Austin H. ★★★★★ I truly can’t give out anything other than positive praises for Trident and their amazing Joan Burleigh! She was THE ideal person to work with. If I could use just two words to describe her, they’d be: thorough and thoughtful. Joan is someone who puts the level of concern and diligence into her work that makes it feel as if she were crafting a loan for a very close family member. She was that caring, hard-working, and genuine. Thank you, Joan, for everything!Pete E. ★★★★★ I would highly recommend Trident Funding. Michael and Lesley were fantastic and very responsive, able to answer the many questions I had and coordinated the transaction with my broker. They went the extra mile by getting this closed on a Friday before the holiday weekend so I could use the boat that weekend. I would use them again!Sheng T. ★★★★★ Jennifer M. ★★★★★ walter H. ★★★★★ Marty did a great jobWilliam S. ★★★★★ Lesley was very helpful and patient taking me through my first boat financing experience. Responsive and professional.D M. ★★★★★ Michael Jenkins and his Team were fantastic in supporting the financing of our boat. They were responsive, requests were clear and they closed the loan early. We highly recommend Trident Funding. Doug and JuleeLon H. ★★★★★ I can’t say enough great things about working with both Lesley and Michael. What a great team they are! I often times get impatient and want things done immediately despite knowing that there is a process to go through. Lesley kept me calm from beginning to end. We were on a tight timeline from the survey and sea trial to the closing, but I’m happy to say that we did it. It was sure worth it!I will add that I tried working with another lender before Trident Funding, but the responsiveness was just not there. I had a sense of urgency, but they didn’t. So very happy with my lender and my new boat! Thanks for all the future memories!!!Kevin E. ★★★★★ When I was looking to finance a boat purchase, I struggled to find someone who could meet the timelines our seller demanded. Trident was recommended to me. I called and Leslie took care of all our needs quickly and professionally. There were a few unexpected hiccups that she expertly navigated for us. In the end, I felt like I could relax knowing she was on the job. I would highly recommend Trident for anyone looking to finance a boat.K T. ★★★★★ Jane and her team we extremely prompt and professional. My loan was approved with two phone calls and an online application. The documents we overnighted and returned, and we closed two days later. Couldn’t have been easier. Would highly recommend Trident for any of your marine financial needs.Penny & Michael T. ★★★★★ Lesley and Mike did a Great job finding us a good rate. They made the transaction quick and easy. We highly recommend trident funding!roger R. ★★★★★ Mike and Leslie guided us through the entire documentation preparation process and kept us informed of what needed to be done by what time. A huge benefit to us while we were immersed in hull surveys, mechanical surveys and trying to find moorage. A huge number of moving parts. As a final act of incredible service, Mike met us after-hours 30 miles from his office to get documents signed for closing. This is our second marine financing project we've done with Trident and will definitely utilize them in the future.Shane H. ★★★★★ First time dealing with boat financing. John did a superb job! The loan process was simple, John answered all questions I had promptly! We closed on the loan 5 days earlier than we expected. Thanks Trident Team!John S. ★★★★★ When my wife decided we wanted a new boat a few months back, we were very fortunate to connect with John Schachel with Trident Funding early in the process. Not only did John respond to my requests to evaluate three different boats , but he shared insights he has learned over his 30 years of industry experience. Once surveys were complete, he exceeded our expectations and had our loan package to us within 2 days. If you are looking for a lender, I recommend you reach out to John and the Trident Lending team in Fort Lauderdale.Karl B. ★★★★★ I don't remember a transaction of any kind going smoother than it did with Mike Jenkins at Trident. They took care of all the details and were always on top of the next steps. Don't look any further. This is the kind of company you'll go back to over and over again.Matthew D. ★★★★★ If you are financing a boat, call John Schachel at Trident Funding Fort Lauderdale immediately! My loan closed in ONE WEEK from first contact to final signatures and disbursement. John and his team saved my private party boat purchase after a "big," "national" lender failed at every turn. I would never use another company after this experience. I was approved for a loan with very competitive rates within hours. John answers his phone, responds to texts and emails, and provides updates constantly. He is exceptionally knowledgeable, professional, well-spoken, honest and hard-working.If you are trying to finance a boat in this market, you have to move fast to secure the deal. We lost our boat last year and I spent 11 months searching for a suitable replacement. I started my financing journey with a "big" company on Aug 4 and had zero progress weeks later. It took 6 days to get approved. The company and agent would not return calls or emails and did not care about the client. They're auto-generated emails suggested 2-5 weeks for closing, which is longer than it takes to finance a mortgage and unacceptable in this market. On Aug 23, I called John and he picked up on the second ring. He had me approved that afternoon and scheduled a third party inspection, which was executed the following day. He requested required documents and processed them without delay. By the time I fired the initial company on Aug 26, they still had not yet ordered the required inspection. On Aug 30, John called me to say, "Congratulations on your new boat". Our family cannot thank him and Trident Funding Fort Lauderdale enough for helping us purchase our dream boat!Quinn Y. ★★★★★ We just did our paperwork with Mike and the experience was nothing short of amazing! I’ll be recommending everyone to go through them. They were professional, easy to work with, and fast! Nothing worse than sitting and signing for hours on end. They made this process painless and actually fun (like it should be)! Thank you to Mike and the team for helping us.montanaav8r ★★★★★ Purchasing a boat has been a really long process. Funding with Trident was the easiest part. Michael and Leslie simplified everything for us as we live out of state, that was fantastic.clifton A. ★★★★★ Jane was awesome!! She answered any & “many” ?s I had for her!! I highly recommend trident funding & Jane Tayman if you are looking to financing a boat!!Sergey A. ★★★★★ I got a boat loan from the Trident Funding - everything went smooth and the team was very professional and responsive.Megan M. ★★★★★ Jane at Trident funding was amazing to work with through the loan process. She was able to quickly get everything in order to finalize my purchase on a new boat. I'm a return customer to Trident and will continue to recommend their services to anyone! Thanks!marissalinae ★★★★★ I am so thankful that I had John Schachel and the Trident team helping me through the process of financing a boat. I'm so thankful to have such a knowledgeable professional walk me through the process. I had originally assumed that it would be as easy as just buying a car. Not at all! More like buying a house haha! Trust me, don't use an online loan service. The expertise of John and his team is unmatched. Not only did they guide me along the way, but they made it possible to close the deal super fast!Walt L. ★★★★★ Jane was on the ball providing necessary documentation and returns phone calls..... a pleasure to work with and I would recommend her to anyone interested in buying a boat!Great job Jane!Scott F. ★★★★★ Jane was absolutely amazing and made this closing the best of all of our many deals with other companies!J.P. B. ★★★★★ Loved working with Jane. The process was smooth and seemless.Michelle M. ★★★★★ Mike and Leslie were wonderful to work with at Trident. They were responsive and very knowledgeable. We will certainly use them again in the future.Karen B. ★★★★★ What a wonderful experience. Lesley was so kind and patient helping me through this process. Purchasing a boat is very complicated but Lesley and Michael made it seem easy! I would most certainly recommend them to a friend.Randy M. ★★★★★ I did not know financing a yacht was going to be so complicated. I reached out to John Schachel for help and he walked me through the whole process until the deal was done. Thanks John and the Trident Team for helping me buy the yacht of my dreams!michael B. ★★★★★ Mike and his staff at Trident Funding are rock stars. If you need financing for your boat, you can't find a better team than Trident. He is always available by phone or text, and delivers what he promises.Alan F. ★★★★★ Great and fast service! Very friendly and works with you for your individual needs! Highly recommend!Chris S. ★★★★★ Friendly, efficient and on point. The transaction, from application to closing, to DNR registration was perfect.Rob B. ★★★★★ I don't have enough good things to say about these folks. John Schachel and Julio Santana handled my account which was the purchase of an Everglades 224 CC. They understand what customer service means and handled my loan efficiently and efficiently. I wish that more companies and their representatives understood how important customer service is.David T. ★★★★★ I decided to purchase my 31' Formula knowing I was on a tight time-frame as I was leaving out of town on vacation. The seller's boat broker referred me to Trident Funding / Julio Santana. Julio was prompt, clear, and fast, and made the process easy. I got my approval within a day and got all set to close well within my time-frame. If and when I ever buy another boat, Julio and his team will be my first call. Thank you Julio, Amy, and team for making this transaction stress free and seamless!!tyrus P. ★★★★★ The Team at Trident made for a seamless transaction getting us into are 1st boat. Michael and Lesley were great and presented me with different options to best suite my needs. I will use them for my next boat and gladly refer them to friends!Robb H. ★★★★★ Great service, Michael is very responsive and a fun person to work with. Highly recommend Trident as a one stop shop that will exceed your expectations.stacy E. ★★★★★ Kelly K. ★★★★★ Lesley and Michael are wonderful to work with! In my professional career I have worked with many many lenders and Trident was, by far, the most responsive, helpful and knowledgeable of them all. I highly recommend them.Joshua K. ★☆☆☆☆ Don't waste your time with the Newport Beach, CA office. Dealt with a loan officer who clearly couldn't be bothered to understand my unique financial situation. Found another company (Seacoast Marine Finance, highly recommended ask for Travis) that wanted to do business and now enjoying my new sailboat.GSB B. ★★★★★ John Schachel was excellent. He communicated and handled everything very professionally on my boat loan. I am going to use him again. Thank you JohnLynae F. ★★★★★ Mike and Lesley were a pleasure to work with... extremely responsive, knowledgeable, detailed, and efficient. They both made us feel like we were their only client and made a very large purchase for us a very smooth and transparent process. While I hope not to be buying another boat for a while, we will definitely not hesitate to utilize the services of Mike Jenkins and Lesley Bishop again when we do! 🙂Mark W. ★★★★★ Michael G. ★★★★★ Worked with Lesley @ Trident Funding for our financing. She obtained a great rate and worked with our broker to close the sale amazingly fast. Would definitely recommend their services and will certainly return for our next purchase.William P. ★★★★★ I usually don't write reviews, but in this case I had too. I recently purchased a boat using Trident Funding, dealing with Kyle Knodt and have to say he was unbelievable. Kyle took care of everything, communication was amazing. The sale went flawlessly all due to his hard work. If anything I would urge anyone seeking boat financing or any other type of financing call Kyle he made it look easy. As I said I don't write reviews, but as a retired police officer of 25 years, I know people he is the real deal Thanks so much Kyle!!!Dax K. ★★★★★ Mike Jenkins and his team at Trident Funding were fantastic to work with. Very responsive to text and emails, and helped us navigate our first boat purchase successfully. The loan rates he was able to obtain for us were better than any listed rates we could find online.Elizabeth G. ★★★★★ Mike Jenkins (and every other person we worked with) at Trident Funding were fantastically helpful! They answered our questions clearly and quickly. They were super responsive. We were able to secure an outstanding rate and now have our dream boat! I highly recommend working with Trident Funding!Ken B. ★★★★★ Worked with Jim Weston on a boat loan. Incredibly knowledged professional who clearly understands his craft and how to get the best possible results for his clients. Very highly recommend calling him directly if you need help with financing for your watercraft/yacht.Lisa S. ★★★★★ I rarely submit reviews, but this one is a must. I highly recommend Trident Funding. My husband and I worked with Loan Representative Jim Weston who was very kind, professional, responsive and supportive. He worked hard at getting us the best rate and the best term. He followed up with on a consistent basis and thoroughly explained the process of purchasing a boat. Most of all he was patient and kind. When my husband and I finally purchased our boat he was just as excited as we were. We definitely will be repeat customers and a referral source for Team Weston. Will & Lisa S.Karl B. ★★★★★ Mike and the staff at Trident were great. Responsive and thorough. I will use them again.John R. ★★★★★ Mike and Lesley did a great job securing a refinance of our boat loan. The rates they were able to secure were a full 2 percentage points lower than our local bank could offer. They literally saved us tens of thousands of dollars over the life of our loan. All the paperwork went through without a hitch. I highly recommend them.Mark ★★★★★ We've worked with Mike at Trident Funding on a number of loans and appreciate his professionalism, attention to deal, the loan value he brings and how simple he makes it all. Highly recommended!Kelly A. ★★★★★ My entire process was stress-free! I highly recommend them! ! !Brian M. ★★★★★ Trident really knows the business and has the experience required for your lending needs. Mike was very prompt and helpful. He has a great attitude and makes the process easier and faster than expected. Thank you Mike and Trident funding!Chris W. ★★★★★ I highly recommend their services. Marty was professional, responsive and thorough. There are many ways for Boat transactions to go sideways. Using Trident and Marty you can check financing off that list!Jan M. ★★★★★ My husband and I had a fantastic experience with Jane she very quick on processing our loan and responded to all our needs very quickly. We will definitely recommend Jane and Trident Funding for anyone looking for a boat loan.Nick N. ★★★★★ As first-time boat owners/purchasers, Mike made the process awesome. He was informative, responsive and overall really great to work with. I would recommend him to anyone looking for boat financing.Haven F. ★★★★★ I found Trident Funding via a search engine and was very pleased with the result. I enjoyed very much working with Mike Jenkins on our boat loan. He was helpful and efficient and even pointed me to an outstanding insurance provider who was equally helpful. So Thanks Mike, for making the loan process a painless and enjoyable experience.Jamie R. ★★★★★ Mike is an exceptional financial professional with an excellent team. I appreciated his experience and wisdom through the process of finding the right financing package for our boat purchase. I'm particularly grateful for his continual, proactive communication over the 6 months from initial contract signing for our purchase to the final closing . His team handled all the details, paperwork and logistics efficiently and conveniently, and generally made the whole process convenient and stress free.Jana M. ★★★★★ Our experience with John Schachel at Trident Funding was fantastic. John is very knowledgeable and answered our questions thoroughly and quickly. Thanks to John and Trident funding, the loan process for our first boat was smooth and painless.Sotiris K. ★★★★★ Allan S. ★★★★★ I've worked with Mike and his team both personally for our own boat loan and professionally as a yacht broker. Mike's loan processing is simple and very efficient. Mutual clients tell me Mike had them approved for the loan before their own bank even responded back. Communication, processing, signing and closing all go extremely smooth and professional. Thanks Mike and team for providing a great service.Larry B. ★★★★★ Karen Floyd handled my boat loan and she made the whole process seamless and simple. She is extremely good in the business. I will never hesitate in recommending Karen and Trident to my friends and associates. Thank YOU for a great lending experience.Paul G. ★★★★★ I have used Mike and Leslie for the last 15 years. They have alway been very professional and extremely efficient. The best compliment I can give them is that my clients go back to them with every new purchase.Travis ★★★★★ Can't recommend them enough. They did the research to get us competitive rates, but also made sure everything went smoothly with registration and found errors in the current registration that needed to be rectified in the transfer. Everything was solved through minimal email communication and when we showed up to sign papers it was a cinch.Eric E. ★★★★★ Mike and the Trident team were true PROs. Start to finish the experience was seamless. Working off a referral we had high expectations and Mike exceeded them at every opportunity++Darin P. ★★★★★ My experience with Trident has been exceptional. John S responded within minutes to every text or email question that I had, we finished up the entire process in just over 1 week including shipping docs and everything is highly organized. I would highly recommend Trident to everyone.Manny E. ★★★★★ The whole process from the moment we called and spoke with Jane it’s like a breath of fresh air. Straight forward no sugar coding. Very smooth transaction. Great communications through out the process.What a great experience.Thank you Jane and the whole team at TridentSteve R. ★★★★★ Mike and the Trident Funding Team are amazing to work with and this is our second major boat loan in the last 12months. We had very quick approval letters and closing dates. This team is very responsive and the process was super easy. Definitely will be in touch for our next RV purchaseKent P. ★★★★★ My wife and I started talking about buying a boat a few years ago, but it wasn't until this year that I got serious about it. I had worked with Jane several times to get the loan pre-approved, but the deals always fell through. Finally, I made an offer of a boat that was accepted, and Jane worked with me to make it a reality. Jane made the closing as painless as could be. I would highly recommend Jane and Trident Funding anytime!John F. ★★★★★ The whole process was easy and efficient, very nice and understanding staff.Justin E. ★★★★★ Mike and Lesley at Trident were amazing to work with on financing our boat. The entire process was very efficient and painless even during this crazy pandemic! Definitely recommend Trident Funding!Raymond M. ★★★★★ Great Company to work with in getting a loanvicvwfox ★★★★★ Jane Tayman is the best! Always very professional and friendly. She is responsive and does what she says she can and will do.This is my third time using Trident and it won’t be my last. Thank you Jane and the entire Trident team.Todd H. ★★★★★ Jane and team were professional, courteous and knowledgeable. Would highly recommend for your boat loan.Casey G. ★★★★★ Karen did a great job with our boat loan! She was professional and organized during the whole process. It made it easy for us. Highly recommend!Joe D. ★★★★★ My wife and I had been boat shopping for several months, and finally found the one we were hoping for. To our surprise, due to COVID, many banks had tighten the lending ropes to a point where it was almost impossible. We were very disappointed, until a friend suggested we try Karen at Trident Funding. Thats when our dream became a reality. I am a mortgage lender by occupation, so trust me when I tell you, this was the easiest and fastest loan process I have been a part of. We felt like Karen was buying the boat with us, she was that excited. Highly recommend Trident and Karen.Larry D. ★★★★★ Highly recommend Trident Funding for your loan needs! Karen Floyd was exceptional, courteous and extremely responsive to all our boat loan needs. Actually, the entire team provided exceptional service during the entire loan process and their rates for boat loan rates are by far better than traditional banks or credit unions.Mark K. ★★★★★ Larry M. ★★★★★ Karen Floyd did a great job.Chris C. ★★★★★ Judson C. ★★★★★ They made it a quick and easy process to obtain a boat loan. Now I can practice Social Distancing in Biscayne Bay!Stephen B. ★★★★★ I would like to take this opportunity to share my experience with Trident Funding loan officer John Schachel who went above and beyond to assist our family with our boat loan, John was always available and answered all our questions even on a Saturday. Thank you to John Schachel and the Trident funding team. Looking forward to using our new Boat this weekend.....Mary S. ★★★★★ We have used Trident to finance our last two boats and have been extremely happy with the level of service and the support provided through the loan application process and closing. Mike and his team found us the best lender at the best rates for a smooth purchase each time. I recommend them highly!Troy C. ★★★★★ Julie J. ★★★★★ Mike Jenkins and Trident Funding were recommended to us when we purchased our boat. It was a rushed and unexpected project and Mike was always available and made the process so easy for us. We closed quickly and are off on our retirement adventure. He secured a great rate for us as well. Another satisfied "Julie Johnson".Scott T. ★★★★★ Michael Jenkins is fantastic to work with! He was extremely professional, responsive and supportive during a very difficult deal which entailed an LLC. He just kept right on trucking through the difficult parts and had my back the entire time! Thanks Mike!Tim M. ★★★★★ Outstanding service and super quick turn around. Karen was great to work with. Will highly recommend to anyone looking to finance a boat to give her a callGeorge L. ★★★★★ Trident gave me a financing option with a very competitive interest rate. Karen at Trident was fabulous to work with. She had quick responses and accurate information. This was the first boat I had financed and I bought it from a private seller. Neither of us had much experience with this type of transaction. Karen was patient and she politely walked me through the financing process. I very strongly recommend!!Randall L. ★★★★★ Jane and the team at Trident Funding were professional and responsive and helpful. We are repeat customers. Thanks so much!Julie J. ★★★★★ This was our first time buying a yacht of this size and the process was very smooth. Lesley Bishop did a stellar job! Highly recommend her and Trident Funding. We had a fabulously low interest rate as well. Thank you so much!John M. ★★★★★ John Schachel of Trident Funding, Fort Lauderdale came highly recommended. Within minutes of my initial inquiry, John made contact with me and answered all of my questions. John was available 24/7.The loan process and closing was completed just as he described, quick, accurate and efficient. John has set the bar extremely high. I highly recommend John Schachel and Trident Funding.Blair ★★★★★ Jane Tayman just closed our boat loan today! We couldn't be happier!!! Prior to working with Trident, we were working with another lender who proved to be a real disappointment. Jane heard our story, called this past Monday morning, and closed our loan today, Thursday. Four days! AMAZING!!!!! Please put Trident Funding to the top of your list and specifically request Jane. You will NOT be disappointed!Michael C. ★★★★★ I am not the easiest customer to deal with. I’m full of questions, concerns, and have a case of shoppers anxiety. I experienced all the above in the process of trying to secure a boat loan. Jane Tayman was an absolute gem. She handled every one of my concerns and then some. She put me at ease. Which is not a very easy thing to do. I was very impressed with her professionalism and ability to just get the job done. I would recommend dealing with Jane and Trident Funding over and over again. In fact, I have already referred a friend. Thanks so much Jane and Trident Funding!Dan B. ★★★★★ I recently completed the purchase of a yacht and partnered with Trident Funding Corp during the entire process. They were very helpful in guiding me along the journey from the days well before I knew what I was buying. Their expertise helped me hone in on the price point and left no financial stone unturned. Each time I had a question they responded very quickly, professionally and made me feel like their most valuable client. I cannot recommend them enough if you are in the market for boat financing.James A. ★★★★☆ Jane was able to get our loan done quickly and efficiently. Thank you!Mark R. ★★★★★ Jane is incredible to work with. We bought our boat during the Covid19 pandemic and apparently boat sales were busy, so the process was slow (not because of Trident but other issues). Jane went above and beyond to keep the process flowing and was very communicative and helpful throughout.J W. ★★★★★ Jane at Trident was great to work with. She was very responsive during a busy period, and worked to get me the best rate. She also expedited my close.OneTouch A. ★★★★★ Dealing with Bob and Amy at the Ft lauderdale office was great. The loan process was super easy from the application to the closing. Great and honest people to work with. I will recommend them anytime. Thanks again for getting me the loan for my dream boat.Rob F. ★★★★★ I contacted Trident Funding about financing a 411 Meridian we were interested in purchasing. I worked with Joan Berleigh to get the loan. Joan got us a great interest rate and the entire process took less than two weeks. During the process Joan always returned my phone calls and was very good about answering all my questions. It was so refreshing dealing with someone who obviously takes great pride in what she does and is extremely honest and professional. If you are looking for painless financing for your new boat you need to contact Joan. Thanks Joan we love our new boat.js_loader

What Is A Boat Loan Calculator?

A boat loan calculator is an online tool that helps potential boat buyers estimate the cost of financing a boat purchase. This tool takes into account several factors such as the boat’s price, down payment, interest rate, and loan term, which are used to calculate monthly payments and the total cost of the loan. You can adjust the loan term, down payment amount, sales tax, and  interest rate to see boat loan payments based on the numbers you provide – and how any changes to those numbers may affect your payment.

Using a boat loan calculator helps potential borrowers determine how much they can afford to borrow, how much their monthly payments will be, and how much interest they will pay over the life of the loan. This information can help borrowers make an informed decision about their boat purchase and ensure they stay within their budget.

Trident Funding - Boat Buyers Guide

Some boat loan calculators may also provide additional information such as the estimated sales tax and down payment for the boat, which can also impact the total cost of ownership. Ultimately, a boat loan payment calculator is a valuable tool for anyone considering a boat purchase, as it helps them understand the financial implications of their decision.

Trident Funding - Cost of Owning a Boat

How To Calculate A Boat Loan Payment

Calculating a boat loan payment typically involves the following information:

  1. Determine your loan amount: This is the total amount of money you will be borrowing for the boat purchase. It is typically the price of the boat minus any down payment or trade-in value.
  2. Determine your loan term: This is the length of time over which the loan will be repaid, usually in months. For example, a 20-year loan would be shown as 240 months. 
  3. Check your interest rate: This is the annual percentage rate (APR) you will be charged on the loan. Rates are impacted by your credit score, the size of the loan, and the length of the loan term. 
  4. Use a boat loan calculator: There are many boat payment calculators available online that can help you estimate your monthly loan payments. Simply enter your loan amount, loan term, and interest rate, and the calculator will provide an estimate of your monthly payments. Alternatively, you can enter your desired monthly payment, loan term, and interest rate and see a total loan amount so you can start boat shopping.

It’s important to note that the monthly payment estimate provided by the calculator is based on a fixed interest rate and assumes that you will make all payments on time. Actual monthly payments may vary depending on your credit score, the lender you choose, and other factors.

Also, keep in mind that the boat loan payment may not be the only expense associated with boat ownership. You’ll need to consider additional costs such as insurance, maintenance, docking fees, and fuel.

Frequently Asked Questions

How long is a typical boat loan for?

Typically, the maximum term for a boat loan is 20 years, however the maximum or standard term for a boat loan can be affected by the age of the boat and the size of the loan request. The next most common terms are 15 and 10 years.

How much yacht can I afford?

Check out a yacht loan calculator, to see how much yacht you can afford. Affordability will be based on things like your income, credit score, debt-to-income ratio, purchase price of the boat, loan term, and interest rate. When you see the estimated yacht loan monthly payment, remember that it doesn’t include insurance, marina fees, docking or storage fees, maintenance, repairs, fuel, license, or crew costs. So, make sure there is room in your budget to allow for these extra expenses.

Is it smart to finance a boat for 15 years?

Financing a boat over a 15 or 20 year term is very common. Banks tend to offer longer terms on boat loans because the depreciation schedule of a boat is typically longer than other assets like automobiles.

Can I get a 20-year loan on a used boat?

Yes, you can get a 20-year term on a used boat. However, the boat usually needs to be less than 15 years old, and most lenders will also have a minimum loan requirement in order to qualify for a 20-year boat loan term.

Can I get a boat loan with a 600 credit score?

You can get a boat loan with a 600 credit score, but most lenders prefer credit scores of 700 or higher. With a lower credit score, you should expect a larger down payment or a higher boat loan interest rate. Use our boat loan calculator to estimate your monthly interest rate and then apply for your boat loan today.

Can I purchase a boat with bad credit?

You can purchase a boat with bad credit, but you probably won’t qualify for boat loans if you have bad credit. If your credit score is below 600, you may need to pay cash for the boat, work out an owner financing arrangement with the seller, or put down a large down payment. Other options may include taking out a personal loan, getting a loan from your credit union, or using boat dealer financing. Some boat loans may allow a qualified cosigner but the cosigner would have to meet the lender’s criteria and agree to be responsible for the loan.

Keep in mind that some lenders won’t work with you at all if your credit score is below 600, so it may be advantageous to raise your credit score first and then apply for a boat loan. The best interest rates and terms are reserved for the most credit-worthy borrowers. So, having a higher credit score will save you money over the term of the loan.

Can a high credit score save me money when financing a boat?

Having a high credit score to finance a boat will save you money in a few different ways. Firstly, you will get access to the best rates, terms, discounts, and the lowest-fee boat loans. You may also be able to choose your loan term, and your down payment requirements may be lower. 

For example, if you can afford the higher monthly payment of a 10-year loan term, instead of a 20-year loan term, you can potentially save thousands of dollars in interest because you will be paying off the loan over a shorter period of time. 

However, the main way that you save money on a boat loan is with a lower interest rate. Assuming that you have a high credit score, and get a 6.25% rate on a $200,000 boat loan, with a term of 20 years, you will have paid a total of $350,845.54 for the boat over the 20-year term. This only includes principal and interest and is only applicable if you have a fixed rate loan. 

Now, let’s assume your credit score isn’t great, and you get a 9.0% interest rate on the same $200,000 loan. You will have paid a total of $431,868.46. That means that a borrower with a higher credit score will have spent $81,022.92 less than the borrower with the lower credit score. That’s a huge amount of money that could be invested or even used to buy another boat!  

What are the best boat loan terms?

Boat loan terms vary in length, anywhere from seven to 20 years, and occasionally 25 years. There isn’t really a ‘best’ when it comes to boat loan terms. It’s all relative to your financial situation, the year of the boat, and the loan amount. If you have the extra money budgeted for larger monthly payments, and don’t want to pay additional interest, then a shorter-term boat loan may be better for you. 

Conversely, if you’re buying an expensive boat, and want the cheapest monthly payments available, then a 20-year boat loan term may be more suitable for you. When you apply with Trident Funding, they will go over different boat loan terms, interest rates, and monthly payment options with you.

What is the minimum credit score for a boat loan?

There is no definitive minimum credit score required, but there are some banks that will consider applicants with scores in the 600 or 640 range. You will typically need a credit score of at least 600 to get approved for a boat loan. The higher your credit score, the lower your interest rate will be, which will save you money over the term of the loan. Additional credit limitations and requirements will typically be required for scores under 700. Use our boat loan calculator above to determine your estimated monthly payment based on your FICO credit score.

Some tips to raise your credit score include

  • Make on-time payments to your creditors
  • Ask for credit limit increases on your credit cards but don’t use the additional credit
  • Pay down your credit card balances so they’re 25% or lower
  • Regularly check your credit report and dispute any errors

How much boat can I afford?

The amount of boat that you can afford depends on a number of factors. It will depend on your income, your credit score, and your liabilities. You may qualify for a million dollar boat solely based on your income, but when you factor in your monthly expenses, that number may change drastically.

The lender will take a look at your overall financial profile including your debt-to-income ratio to ensure that you can afford to purchase the boat and keep up with the monthly payments. You can check out a boat loan calculator to get an idea of how much boat you can afford. The calculator is a great place to start when you’re boat shopping, but don’t forget about additional expenses such as boat insurance, marina fees, and ongoing maintenance costs.

Can you get a 30 year mortgage on a yacht?

Yacht loan terms typically go up to 20 years, but you may find one for 25 years if you and the boat meet certain qualifications. A yacht loan is different from a mortgage, it’s more comparable to an auto loan, just with a longer loan term.

The yacht serves as the collateral and you typically use your own funds for a downpayment and finance the remainder of the purchase price. You will pay monthly payments throughout the life of the loan. Like auto loans, yacht loans require insurance and each lender will have their own qualifications that need to be met in order to be approved for the loan.

What credit score do I need to qualify for a boat loan?

A good credit score to finance a boat is typically 700 or higher. Most marine lenders only work with creditworthy borrowers who have what is considered great or excellent credit. Sure, you may qualify for a loan with a lower credit score, but the maximum loan amount may be lower, the monthly payment may be higher, your loan application may take longer for credit approval, and you may be required to put down a larger down payment than a borrower who has a higher credit score. 

If you’re not sure what your credit score is, or you want to know if you will get approved for a boat loan or not, apply with Trident Funding online in just a few minutes. The initial application only requires a soft-pull on your credit score, and you will quickly find out if a boat loan is in your near future, or if you need to raise your credit score first.

What are typical terms for boat financing?

The length of the loan is referred to as a loan term. Loan terms vary depending on the loan product, the type of boat, the age of the boat, the loan amount, and your financial standing. However, most boat loans range from 10- to 20-year terms. A 20-year term is usually the maximum term for a boat loan, however, sometimes a lender will consider a 25-year loan term. The next most common boat loan terms are 15 and 10 years. Typically loan amounts over $50,000 can go to 15 to 20 years and loan amounts under $50,000 can go to 12 to 15 years.

What is the typical down payment on a boat loan?

The amount of the down payment on a boat loan varies. It’s usually anywhere from 10% to more than 30%. It depends on the borrower’s credit score, income, and overall financial profile. It also depends on the loan amount and the loan term. Generally, borrowers with lower credit scores will be required to put down a larger down payment. This is to mitigate some of the lender’s risk and it shows ‘more skin in the game’ because the borrower has more to lose if they default on the loan. 

If you like to know the numbers and want specifics, here goes. The average cost of a new boat is around $70,000. If you have excellent credit, expect to put down at least $7,000. If your credit is less than excellent, you may need to put down anywhere from $14,000 to more than $21,000. This is just the amount needed for the downpayment and doesn’t include closing costs or insurance etc.

What is the average boat payment?

Every borrower is different and their credit score and income will affect the boat payment. The interest rate, the boat term, and the purchase price of the boat will also affect the amount of the monthly payment. If you want to roughly estimate what your boat payment will be, calculate 1 to 1.5% of the value of the boat. For example, if you buy a boat worth $100,000, expect to pay between $1,000 and $1,500 per month. Keep in mind, this is just a rough estimate, and you can get a better idea of your monthly payment, by using a boat loan calculator.

3Actual rate, loan amount and term can vary depending on the lender, FICO score, credit history, lender assets/liquidity requirements, down payment, debit and payment to income ratios, collateral type, age of collateral, loan to value, vehicle registration (LLC), loan type (Purchase versus Refinance), state of residency and other criteria. Loan is for recreational pleasure use only. Rates and terms are subject to change without notice based on market conditions and borrower eligibility. Other rates and loan terms are available. † Max loan term may vary.