SECURE and CONFIDENTIAL TRANSMITIONS through Secure Server.
These are Internet Features that protect you. With a 128bit encription Secure Server(SSL) that stores information in to the server database, never sending it out on insecure e-mail like other boat loan services do. We take advanced measurements to ensure the security of your information.

Jboatloans.com works with a network of major marine lenders.
Because of this we are able to offer many different financing plans to suit your particular needs and requirements.

Simple and easy to use online credit application wizard. With an easy to use wizard you can complete the application fast on-line. Because we use the latest technology in Web Applications, our application does not make you fill out long forms. We only ask for the necessary information your criteria presents.

Information about the boat you are purchasing

Some important information about the boat is needed for the actual boat loan. The information needed for the boat would be as follows: boat year, boat make, boat model, length, number of engines, engine make and engine horsepower.
Other information about the seller might be required for the new title transfer of your boat: Seller Name, Address and phone number. Note that this information is not necessary to get approved but knowing the information can significantly expedite the actual boat loan process. Being prepared can get your boat in the water faster!

Your credit and assets

You should know what your credit status is. High credit scores are not always required to get the best rates. Most lenders have a minimum credit score required to meet their lending guidelines. You may recieve the same rate as a person with a higher score as long as your score meets the minimum requirements. Some lenders however use a tier rating system which would reward a higher credit score with a lower rate. Most of the lending institutions we use do not use the tier system.
In all cases we can help and advise you depending on the results of the credit bureau we pull upon receiving your application.
If necessary we also offer credit repair services to help you get that loan, contact us at 1-877-775-2628 for more information on these type of services and how to prepare.
Depending on the amount of the loan, you may also have to provide proof of income via tax returns or paystubs.

Using a co-applicant (co-signer)Using a co-applicant (co-signer)

Using a co-applicant can sometimes help you get the lowest rate possible on the loan. If you are married and your spouse works or has good credit this will help you secure a loan because it can reduce your DTI(Debt To Income)
At the time of the application, a spouse's individual income can be added to the applicants income as "Other Income". If the loan is above 50k then the wives full information must be used. Use the <Married Joint application> on this web site.

Buying a boat

If you are purchasing a new boat and are shopping dealers and would like to have the pre-approval process done you may apply on-line or contact us for our advice. Knowing what you qualify for and being prepared for the purchase can save you thousands. This also gives you a great negotiating tool when making an offer on a desired vessel.

Contact us if you have any further questions.

Jboatloans.com is not affiliated, related or associated in any way with 'J Boats, Inc'., the source of J sailboats.

1.877.775.2628  service@jboatloans.com