Calculators

Run the numbers before you buy the boat

Seven free tools, each answering one question about a boat purchase. Start with the payment, then plan your budget and compare your options before you apply.

  1. 1Estimate your payment
  2. 2Plan and compare
  3. 3Apply when ready
Aerial view of a blue motorboat and its wake on green water

1Start here

Boat Loan Calculator

Estimate your monthly payment from the boat price, down payment, APR and loan term — plus total interest, total cost, payoff date and a year-by-year amortization schedule.

  • Taxes, fees and trade-in in advanced options
  • Compare 10, 15 and 20 years instantly
  • Free, no sign-up, nothing is stored
Calculate My Payment Start Application
Example Estimated monthly payment $645 / month Boat price$75,000 Down payment (10%)$7,500 APR · term7.99% · 15 years Estimated total interest$48,542 Hypothetical example for illustration, not an offer of credit.

2Plan your budget

Know what fits before you shop

Affordability

How much boat can I afford? Start from a monthly payment and work back to a budget.

$72,822budget for $600/mo, $10,000 down, 7.99% APR, 15 years Estimate Affordability

Down Payment

Compare 5%, 10%, 15%, 20% and a custom amount side by side.

−$57/mo20% vs 10% down on a $60,000 boat at 8.00% APR, 15 years Compare Down Payments

Ownership Cost

Add insurance, fuel, storage, maintenance and more to the loan payment.

$1,274/moexample total: $645 loan payment plus sample yearly costs Estimate Ownership Cost

2Compare your options

See how each choice changes the numbers

Loan Term

How does 10 vs 15 vs 20 years change the payment and total interest?

$819 → $56410 vs 20 years on $67,500 financed at 7.99% APR Compare Terms

Extra Payment

What happens if I pay a little extra every month?

$11,213 saved+$100/mo on $50,000 financed at 8.00% APR, 15 years Calculate Extra Payments

New vs Used

Put a new and a used boat side by side, each with its own price, rate and term.

$731 vs $549new: $85,000, 10% down, 7.99%, 15 yrs · used: $55,000, 10% down, 8.49%, 12 yrs Compare Scenarios

Example figures are hypothetical illustrations based on the stated price or amount financed, down payment, APR and term. They are not offers of credit; actual terms depend on the lender.

Your next steps

From estimate to application in three steps

  1. Estimate your payment

    Enter the boat price, down payment, rate and term to see an estimated monthly payment.

    Calculate My Payment

  2. Compare your options

    See how a different term or down payment changes the payment and the total cost.

    Compare Loan Terms

  3. Apply when ready

    Continue to the official financing application through Vantage Recreational Finance.

    Start Application

3Ready to Finance?

Continue with Vantage Recreational Finance

Boat Payment Calculator helps you estimate and compare financing scenarios. When you are ready to apply, continue to the official financing application through Vantage Recreational Finance.

Start Application

Disclosure: Boat Payment Calculator may receive compensation from Vantage Recreational Finance when you apply through our links. We are not a lender and do not make credit decisions. About our relationship with Vantage · Terms

Luxury bowrider boat cruising smoothly into a golden sunset glow across turquoise waters