Outboard Motor Loans
Outboard Motor Loans
Flexible Financing for Every Boater in the San Francisco Bay Area
Get the outboard motor you need with payments that fit your budget. Same-day approvals available. All credit types welcome.
What You Can Finance
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| Category | Examples | Loan Amount |
|---|---|---|
| New Outboard Motors | Yamaha, Mercury, Suzuki, Honda — all models | $3,000 – $30,000+ |
| Used Outboard Motors | Certified pre-owned, trade-in upgrades | $2,000 – $15,000 |
| Repower Projects | Motor + installation + rigging | $5,000 – $25,000 |
| Parts & Accessories | Propellers, controls, steering, electronics | $500 – $5,000 |
| Commercial Fleet | Multiple motors for charter/business use | Custom terms |
Why Finance With Aqua Marine Outboard?
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| Benefit | Details |
|---|---|
| Same-Day Approvals | Apply in the morning, get approved by afternoon |
| Competitive Rates | Starting at 2.99% APR for qualified buyers |
| Flexible Terms | 6 to 72 months — choose what works for you |
| $0 Down Options | Available on select programs |
| All Credit Types | Good credit, bad credit, no credit — we work with you |
| Multiple Lenders | We shop for your best rate |
Current Financing Offers
🎉 Summer 2026 Special 2.99% APR for 24 Months on all new Honda outboard motors On approved credit. See dealer for details. [Apply Now]
🎉 Mercury Repower Deal 8.99% APR for 36 Months on Mercury repower projects over $5,000 Through Sheffield Financial. [Get Pre-Qualified]
🎉 Parts Financing 0% Intro APR for 6 Months on parts orders over $1,000 Minimum monthly payments required. [Shop Parts & Finance]
How It Works
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┌─────────┐ ┌─────────┐ ┌─────────┐ ┌─────────┐
│ STEP 1 │ → │ STEP 2 │ → │ STEP 3 │ → │ STEP 4 │
│ Apply │ │ Get │ │ Choose │ │ Ride │
│ Online │ │Approved │ │ Your │ │ Away │
│ or In- │ │Same Day │ │ Motor │ │ │
│ Store │ │ │ │ │ │ │
└─────────┘ └─────────┘ └─────────┘ └─────────┘Step 1: Apply
Fill out our short application online or visit us at 1428 Wallace Ave, San Francisco, CA 94124. Takes 5–10 minutes.
Step 2: Get Approved
We submit to multiple lenders including Sheffield Financial, Yamaha Financial Services, Mercury Finance, and Honda Financial Services. Most decisions within 2–4 hours.
Step 3: Choose Your Motor
Pick from our inventory of new and used outboards. We’ll finalize paperwork and schedule installation.
Step 4: Ride Away
Hit the water with your new motor and a payment plan that works for you.
Payment Calculator
Estimate Your Monthly Payment
Loan Amount $ [_____] Down Payment $ [_____] Term [24 months] [36 months] [48 months] [60 months] [72 months] Estimated Monthly Payment: $XXX.XXThis is an estimate. Actual rates and terms depend on creditworthiness. Call +1 (415) 882-6561 for a precise quote.
FAQ — Financing Questions
What credit score do I need? We work with all credit types. Scores as low as 550 may qualify for certain programs. The higher your score, the better your rate.
How much down payment is required? 0–20% depending on the program. A larger down payment can lower your rate and monthly payment.
Can I finance a used outboard? Yes, we finance both new and certified pre-owned outboards up to 10 years old.
How long does approval take? Most applications receive a decision within 2–4 hours during business hours (Mon–Sat).
Can I pay off my loan early? Most of our lenders allow early payoff with no penalty. Ask your financing specialist for details.
Do you offer financing for commercial boats? Yes, we offer specialized commercial marine financing with seasonal payment options for charter and fishing businesses.
What documents do I need to apply?
Can I include installation and rigging in the loan? Absolutely. Repower and installation costs can be rolled into your financing package.
Apply Now
Ready to Get Approved?
[Apply Online] | [Call +1 (415) 882-6561] | [Visit Our Showroom]
Aqua Marine Outboard 1428 Wallace Ave San Francisco, CA 94124Monday–Friday: 9:00 AM – 6:00 PM (PST) Saturday: 9:00 AM – 2:00 PM (PST)
Our Lending Partners
We work with the industry’s most trusted marine lenders to find you the best rate: