Finance the boat you want,
on terms that make sense.
OpenSea24 partners with specialist marine lenders and private banks to arrange loans for cruisers, sailboats, yachts and superyachts — from a modest first boat to a global refit programme.
Payment calculator
Sketch your monthly budget.
Drag the sliders to see how price, deposit and term change your monthly repayment. Indicative only — final rates depend on your profile.
Estimated monthly
per month for 15 years
- Loan amount
- $200,000
- Total interest
- $121,569
- Total cost of loan
- $321,569
Lending programs
A lender for every hull size.
Boats up to $250k
Marine loans
For cruisers, day boats and small sailboats. Simple online application, decision within 48 hours.
Yachts $250k – $5M
Yacht finance
Structured lending for sail and motor yachts. Fixed or variable rates, flexible balloon payment options.
Vessels $5M+
Superyacht capital
Private banking desks and asset-backed structures for large motor yachts, refits and new-build campaigns.
How it works
From estimate to on the water.
Estimate your payment
Use the calculator to sketch a monthly budget in seconds.
Apply for pre-approval
Share basic financials. Lenders respond with an indicative offer within 48 hours.
Choose your lender
Compare rates, terms and structures side by side — no obligation.
Close and set sail
Funds are disbursed on completion. We coordinate with your broker and surveyor.
Vetted lenders
Every partner is regulated and reviewed for pricing, service and marine expertise.
48-hour decisions
Indicative offers typically arrive within two business days of applying.
Zero fees to buyers
You pay nothing to OpenSea24 for an introduction — your rate matches going direct.
Ready to get pre-approved?
Send us a few details about the boat and your profile. We'll route your request to the right lending desk and come back within 48 hours.
Frequently asked
Marine finance, answered.
What deposit do I need?+
Most marine lenders require 15–20% down. Superyacht structures can go higher; some programs accept 10% with additional collateral.
Can I finance a used boat?+
Yes. Used vessels up to 20 years old are widely financed; older classics are handled case-by-case with a satisfactory survey.
Does OpenSea24 charge a fee?+
No. OpenSea24 doesn't take a fee from buyers. Our lending partners cover the referral cost — your rate is the same as going direct.
How long does approval take?+
Indicative pre-approval typically arrives within 48 hours. Final closing depends on survey, title and flag registration — usually 2–4 weeks.
Rates and terms shown are indicative and subject to lender approval, survey and creditworthiness. OpenSea24 is an introducer, not a lender.