Soft Pull Credit Application

Apply For Boat Financing Without Dinging Your Credit

Our full credit application takes about 3 minutes. We run a soft pull to get you started, so applying costs you nothing and leaves your credit score untouched.

Know Before You Start

Looking For A Pre-Approval Number?

Here’s how we’re different. Some lenders hand you a dollar amount and send you on your way. We take your full application, put it in front of the right lender for your situation, and come back with a real financing decision — not an estimate you have to re-do later.

The application below is the whole thing. Fill it out once, with a soft pull that doesn’t touch your credit score, and a member of our team takes it from there.

What You’ll Need

  • Personal and contact information, including your Social Security number and driver’s license
  • Your current address and roughly how long you’ve lived there
  • Employment details and your gross income
  • Boat details if you’ve picked one out — make, model, year, and length
  • Trade-in information, if you have a boat to trade

Don’t have a boat picked out yet? You can still apply. Tell us you’re still shopping and we’ll work with whatever you have.

Three Simple Steps

How It Works

Submit Your Application

About 3 minutes, and our soft pull won’t affect your credit score.

We Shop It To Our Lenders

Your application goes to the lender best suited to your credit profile and the boat you’re buying. We work with lenders across the full credit spectrum.

We Come Back With A Decision

A team member works your application from first paperwork through final signature, so you always know where things stand.

Boat Loan Application

Approximately 3 minutes to complete. Soft pull only — no impact to your credit score.

What We Finance

Boats, Motors, And Trailers

  • New and used boats, from runabouts to cruisers
  • Outboard, inboard, and sterndrive motors, including repowers
  • Trailers
  • Purchases through a dealership and private party deals
  • All credit types, including credit other lenders turn away

Working With Your Dealer

Buying Through A Dealer?

Tell us who they are. The last step of the application asks whether you’re buying through a dealership, and there’s a spot for the dealership name and your salesperson. We’ll coordinate directly with them so your financing and your boat come together at the same time.

If your dealer already works with Elite Recreational Finance, this is the same application they’d hand you in the showroom.

Common Questions

Boat Loan Application Questions

No. We start with a soft pull, which doesn’t affect your score and doesn’t show up as a hard inquiry on your credit report.

About 3 minutes for most people. Having your income and boat details ready makes it faster.

No. You can apply while you’re still shopping and add the boat details once you’ve settled on one.

There isn’t a single cutoff. We work with lenders across the credit spectrum, including buyers with sub-prime credit, older boats, and higher loan-to-value deals that a single bank would decline.

Yes. The application asks up front whether you’re applying jointly, and it will collect their information as part of the same submission.

A member of our team reviews your application, matches it to the right lender, and reaches out to you directly. You’re not left waiting on an automated email.

Ready To Get Your Boat Financed?

It takes about 3 minutes, the soft pull won’t affect your credit, and a real person picks it up from there.

Questions first? Call 727-597-4960 — Monday to Friday : 9am – 5pm EST : Saturday : 10am – 4pm EST