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However, you may have higher interest rates, lower loan amounts and repayment terms. Jordan Davis, Business Manager. Complete our boat loan application online and get a free quote today! Boat Financing In New Bern and Wilmington, NC. Power (Formerly NADA Guides) provides. Fewer options. Boat loans will likely be denied if your DTI is higher than 40 or 45% once the new boat loan is factored in. Monday - Thursday: 9:00 am - 5:00 pm Friday: 9:00 am - 6:00 pm. 24% and 19. This includes 4,011 new vessels and 1,656 used boats, available from both private sellers and experienced dealers who can often offer vessel warranties and boat financing information. Boat loans are secured by the boat, motor and trailer and require a 10% down payment with terms from 7 to 20 years depending on the amount financed. Other factors including your debt-to-income ratio (DTI), a calculation which helps lenders determine if you can afford an. Race City Marine is a dealership located in Mooresville, NC. 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