Cash against your yacht — 20% cheaper, in 24 hours
Fast, non-recourse loans secured on your boat — $1,000 to $2,000,000, no credit check, and rates about 20% lower than typical yacht pawnshops. Keep the yacht, unlock the cash.
How it works
Get an instant quote
Tell us the yacht and how much you need — two minutes, no documents to start.
Free survey & valuation
An independent marine surveyor confirms her condition and fair market value.
Your offer, up to 60% LTV
A transparent, fixed rate — from 20% below the typical yacht-pawnshop market.
Funds in as little as 24h
Collect your yacht any time. Repay early whenever you like — no penalty.
Our rates vs a typical yacht pawnshop
Same-day liquidity, without the pawnshop premium. GetBoat rates start about 20% below the published market rates.
| Loan amount | Typical pawnshop | GetBoat, from | ≈ Monthly |
|---|---|---|---|
| $1,000 – $4,999 | 121.7% APR | 97% APR | ~8.1%/mo |
| $5,000 – $24,999 | 85.17% APR | 68% APR | ~5.7%/mo |
| $25,000 – $99,999 | 60.85% APR | 48.7% APR | ~4.1%/mo |
| $100,000 – $499,999 | 48.68% APR | 39% APR | ~3.3%/mo |
| $500,000 – $2,000,000 | 36% APR | 29% APR | ~2.4%/mo |
Illustrative APRs shown as a range starting point. Typical-pawnshop column references publicly published rates (e.g. MyBridgeNow, Borro). Final rate follows a marine survey and approval; service/storage fees may apply.
Fast, better value, and done properly
20% lower APR
Consistently below MyBridgeNow, Borro and other retail yacht pawnshops.
No credit check
Approval is based on the yacht, not your credit history or income.
Non-recourse
Your liability stops at the collateral — no claim on your other assets.
Cash in 24 hours
An indicative offer within a day, funds fast once the survey is in.
Keep ownership
Repay at any point and collect your yacht — she is only held as security.
No prepayment penalty
Settle early and stop paying interest — zero exit fees.
Secure storage
Climate-controlled berthing for the term — off-season mooring, solved.
$1K – $2M · 60 days – 5 yrs
Flexible sizing and terms for anything from a RIB to a superyacht.
Get your quote
See your indicative rate instantly, then send the details — a specialist replies within 24 hours. No credit check, no obligation.
FAQ
Yacht financing, answered
What exactly is yacht financing here?+
A secured, non-recourse loan against your yacht. She is held as collateral in secure storage for the term; at the end you repay and collect her — or walk away with no further liability. It is fast liquidity without selling the boat.
Do you check my credit?+
No. There is no credit check and no income verification. Approval is based on the surveyed market value of the yacht, so past credit issues, foreign residency or an unusual income profile are not a problem.
Is it really non-recourse?+
Yes. Your liability is limited to the yacht pledged as collateral. If you choose not to repay, the vessel settles the debt and there is no claim on your other assets and no personal guarantee.
How much can I borrow?+
From $1,000 to $2,000,000, typically up to 50–60% of the surveyed fair market value (LTV). Larger amounts are considered case by case.
What are the rates?+
From roughly 29% to 97% APR depending on loan size — about 20% lower than the published rates of typical yacht pawnshops. Your exact rate is confirmed after the marine survey. Service and storage fees may apply.
How fast can I get the money?+
An indicative offer usually lands within 24 hours of your request. Funds can follow in as little as 24 hours after the survey and paperwork are complete.
What are the terms and can I repay early?+
Terms run from 60 days to 5 years. You can repay in full at any time with no prepayment penalty and only pay interest for the time you use.
Where is my yacht kept?+
In secure, climate-controlled storage for the duration of the loan. For many owners this also solves off-season mooring and cuts winter berthing costs.
What do I need to get started?+
Proof of ownership and ID to begin. An independent marine survey then establishes condition and fair market value — the basis for your offer.
All rates and figures on this page are illustrative, expressed as APR, and provided for information only — they are not an offer or a commitment to lend. Final terms depend on an independent marine survey, valuation and approval, and may include service and storage fees. Comparison figures reference publicly published competitor rates and typical market ranges; actual savings vary by loan size, yacht and jurisdiction. Products, availability, licensing and consumer protections vary by location and are subject to applicable law.
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Keep the boat, get the cash — faster and 20% cheaper than the rest.
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