Boat and Marine Lending

We provide simple financing options with affordable rates for easy afternoons on the water.

Boat loan refinance

Rates as low as 5.24% APR up to 120 months1

Our low interest rates can make your boat more affordable than ever.

  • Shorten your term
  • Lower your payment
  • Flexible repayment terms

Private-party purchase

Rates as low as 5.74% APR up to 120 months1

We provide used-boat financing to get you out on the water fast.

  • Purchase from an individual
  • Knowledgeable service
  • Flexible repayment terms

Dealer purchase

Rates as low as 5.74% APR up to 120 months1

Take advantage of flexible financing options when you purchase your boat.

  • Multiple financing options
  • Quick approvals
  • Flexible repayment terms

Ready to get started?

In person

Locate a branch.

Still exploring?

If you plan to use your boat as collateral on your loan, you will probably need insurance. Find out when insurance is required, and why it may make sense for you even when it’s not.

When you know what lenders are looking for and how to improve your ability to borrow, you can make the best financial choice for your situation.

Not convinced that boat and marine lending is right for you?

This rate offer may change at any time. Other rates and terms available and vary depending on the purpose, age of the boat and loan amount. These offers are subject to credit approval under the BB&T underwriting guidelines including qualifying lines with certain loan-to-value, debt-to-income, FICO scores and other underwriting credit criteria. Certain other conditions and restrictions may apply. The maximum loan amount associated with this offer for refinances is 120% of NADA value. For loan amounts less than $50,000 or for requests to refinance existing BB&T debt, rates may be higher. For comparison purposes, a consumer who finances a boat that is one prior model year old for $50,000 at a term of 120 months and:

  • refinances at an annual percentage rate (APR) of 5.24% would remit 120 payments of $536.21.
  • buys from a private party at an APR of 5.74% would remit 120 payments of $548.60.
  • purchases at a dealer at an APR of 5.74% would remit 120 payments of $548.60.

Rates can change at any time. Please call or visit your local BB&T branch for current pricing.

Loans, lines of credit and credit cards are subject to credit approval.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Equal Housing Lender icon