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The Boat Dock

Southeast Side of I-72 & Wabash Exit
4600 Rising Moon Road
Springfield, IL 62711

Phone: (217) 793-7300
Fax: (217) 793-7376

Sales Hours: 
Monday - Friday: 8am to 5pm 
Saturday: 8am to 3pm 

Service Hours: 
Monday - Friday: 8am to 5pm
Saturday: 8am to 3pm

What Are the Advantages of Financing Through a Boat Lending Specialist?
Down payments are lower- Although final terms are determined based on your credit profile and the age, type, and cost of the boat being purchased, financing through boat lenders usually requires down payments around 10%.

Finance terms are longer/Monthly payments are lower- Because boat finance specialists know that boats maintain their value and resale appeal, they offer more attractive terms, In fact, it’s not uncommon to find 15-20 year repayment schedules to help you afford the boat of your dreams.

 How Does Boat Financing Compare With Other Payment Options?

Borrowing against an owned home is not an option unless the money is used directly for that home. Home mortgage interest deduction is restricted to interest paid on mortgage debt used to purchase, improve a residence, or refinance the remaining balance on a purchase or improvement. The purchase of a boat does not qualify for this deduction. Home equity loans limit the amount of interest that is deductible if your RV loan balance exceeds $100,000. Home mortgage interest deduction is limited to interest paid on home equity loans up to $100,000.

The Last Word on Boat Financing
Your boat may actually cost you less in the end if you finance your purchase. By not tapping into your financial assets to purchase the boat, you can take advantage of attractive new investment opportunities that might come along. Potential investments earnings can exceed the cost of your boat financing. The bottom line: if you are thinking of buying a boat, you should check financing options to maximize your purchase enjoyment. You’ll be on the road enjoying your new boat before you know it!