"Most boat loan providers offer up to 90% and 100% financing with rates starting around 5% and terms as long as 20 years. But not everyone — or every boat — can qualify for this. The lowest rates typically go to borrowers with an excellent credit score of 760 or higher who are buying an expensive new boat. 

And while you can get 100% financing with terms as long as 20 years, that will cost you more. That’s because interest is based on your loan balance, and adds up over time. The higher your loan balance the more you’ll pay. And the longer you take to repay the more expensive the loan will be. Experts generally recommend that you save up enough at least for a 20% down payment and go for the shortest term your budget allows to save on your loan."  by Anna Serio - Updated Apr 27, 2020

For much more on compare boat loans and boat loan basics,

see Anna's article on finder