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You want to be out on the water this summer, not in ten years when the savings finally add up. Few boats are bought outright, and yours does not have to be. Work out in a minute what your dream boat costs per month.
We help you with the rest: finance and hull cover in one single enquiry, and a real person on the phone who knows boats. We will get you there.
We will get you there
Enter price, deposit, term and rate and the monthly payment appears straight away. A balloon payment lowers the monthly figure but leaves a lump sum at the end, which you pay off, refinance or cover by selling the boat.
An example. Your rate depends on credit history, term and boat.
Share of the price due in one sum at the end. 0 means no balloon.
The calculator uses the rate you enter and is not an offer. Only the lender can quote a binding APR, after checking your documents. The hull insurance every lender requires is not included in the payment.
A monthly payment is just a number on a statement. What you get for it are evenings at anchor, weekends under sail and summers you cannot have back.
Grouped by type of lender, not ranked. The details come from the lenders' own public pages. We only show a rate where the lender publishes one, because rates move all the time.
A lender is missing, or you finance boats yourself? Use the form at the bottom of the page.
The bank lends itself, directly or through the dealer. The boat is the security, so rate and term are usually better than with an unsecured personal loan.
A Wuppertal bank with its own marine division, also via dealers and boat marketplaces.
Website: akf.deThey work with several banks and leasing companies that specialise in boats and find the right offer. Many boat dealers use the same partners.
Broker for several European banks and leasing companies, also for customers in Austria. Own contribution 25 to 33 per cent according to the broker.
Website: yacht-finanz.deHamburg broker within the Société Générale group, financing through CGI Finance and SGB Finance. Deposit at least 30 per cent, 20 in exceptions.
Website: go-boating.deBroker since 2003 for loans, leasing and balloon finance. Partner banks usually finance up to 70 per cent of the price.
Website: bootsfinanzierung.comAustrian finance broker for boats: loan, leasing or hire purchase.
Website: afinanz.atBroker for CGI Finance and SGB Finance in Spain and Portugal, with marine leasing and marine loans. Minimum deposit 20 per cent.
Website: sysfinance.esThe dealer arranges finance as part of the sale.
Point-of-sale finance through dealers, with its own marine line in Spain. Ask your dealer whether they work with Cetelem.
Website: cetelem.esA loan not tied to the boat: no security over it, but capped in amount and often dearer. An option for small boats, jet skis and engines.
Compares personal loans from many banks, with its own boat finance page.
Website: smava.deCredit marketplace; the lending bank is SWK Bank.
Website: auxmoney.comDetails as of 3 October 2026, without guarantee; the lender's own offer is what counts. NAMMERT is not affiliated with any of the lenders listed.
Details vary between lenders and countries, the core is the same everywhere.
After a total loss, the settlement goes to the lender up to the outstanding balance. If the sum insured is too low or the insurer deducts for age, the money falls short and you keep paying for a boat that no longer exists.
Set the sum insured at a realistic replacement value and ask for an agreed value rather than market value. The gap is widest with a balloon payment: the balance barely falls until the end, the value of the boat does.
It depends on your credit history, the term, the deposit and the boat, and it follows market rates. Where lenders publish a rate, it is shown in the overview with its date. Only the lender's offer is binding.
With specialist lenders usually 20 to 33 per cent of the price. Without a deposit, the realistic route is an unsecured personal loan, which is capped and usually dearer.
Part of the price that is not paid off monthly but in one sum at the end. The monthly payment falls, total interest rises, and at the end you need the money or a new loan.
Yes. Lenders look at how old the boat will be at the end of the term and ask for a survey above a certain amount.
Yes. Lenders require hull cover for the full term with the lender named on the policy. Third-party liability is compulsory in Spain for motor boats and boats over six metres, and in many marinas elsewhere.
No, we are a boat insurer. With your consent we pass your enquiry to a finance partner, who makes the offer and runs the credit check. We provide the hull cover the lender requires.
You finance boats or sell them with finance in Germany, Austria or Spain? Then you belong in this overview. Write to us using the form; we check the details and add you.
All that is missing is your boat
Getting there takes one enquiry: finance and insurance together, handled by people who know boats.
Which boat, what price, by when: a few details are enough, and we will get back to you personally. Lenders and dealers who would like to be listed use the same form.
A person in our office reads it and gets back to you. If it is urgent, call +49 3375 29 12 77.
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