If you are looking to purchase or finance a new or used boat, have great credit or bad credit, SeaDream has the financial power to offer you the best solution for your individual needs. SeaDream is staffed by marine finance experts who give you the best of both worlds, personal service and the best loan rates and terms nationwide. Apply online or give us a call at 949-515-0055 and see for yourself why SeaDream is the leader in boat financing. I'm delighted to recommend SeaDream Financial! They recently financed a boat for me, my first, and the whole process was incredibly smooth.
Services
What sets SeaDream apart from other boat financing companies? Not only are we a full service marine lender with the lowest boat loan rates nationwide, but we also offer the most personalized service in the industry. Our primary goal is to tailor a finance package to meet your individual needs. Whether it is a new or used boat loan, refinancing, even a bad credit boat loan, our staff of experienced boat finance professionals will work with you, one-to-one, every step of the way to ensure your satisfaction.
SeaDream can assist those with less than-perfect-credit or credit challenges with flexible boat financing options. SeaDream's Bad Credit Boat Loans Department specializes in mid-tier credit score and sub-prime marine financing programs. Our mid-tier programs will enable you to secure competitive financing even though you may not qualify for today's prime rate.
The boat loan interest rates listed throughout our website are the best loan rates provided by our lending programs. Rates may differ based on a customer's credit, income, loan collateral, state of residence, and other variables determined by each lending program. If you aren't sure what your credit score is you can get a copy of your credit report here.
This simple calculation will give you an idea of the maximum boat loan payment you can afford based on your income and expenses. If your debt to income ratio is above 50% then it is unlikely you will qualify for a boat loan. Paying down your debt to reach a level below 50% before applying for a boat loan is your best course of action.
Reviews (5)
Leron Seals Ii
May 06, 2022
Jdauph
Nov 28, 2021
Worked with them on an RV loan. Sent the sales agreement, when they sent the loan docs they tried to sneak in an extra $5,000+ like we wouldn't notice. The sales agreement was clear as day, with taxes, fees and everything included. Then when I called them out, they just didn't respond. Thank God we didn't sign up for the loan with them. Not to be trusted.
Mary Noa-Kempner
May 29, 2018
I can not say enough positive things about the service that I received from the staff at Seadream Inc. Initially I was really hesitant to purchase a large ticket item such as a boat while working with a company from out of state. Not to mention that my credit had some challenges causing me concern in regards to what type of ridiculous interest rate I would be possibly facing. Eric and his team presented me with loan options- and without pressuring me to move forward actually took the time to advise what would make sense financially and what would not in regards to my decision.
Once I took a breath and did the numbers it turned out that there information was spot on. From there, the staff handled the entire transaction without any surprises- yes I said "NO SURPRISES-." Thanks to the team and their patience and extreme professionalism throughout the deal, I am heading out in my boat later this week. I STRONGLY recommend this company. Mary Noa-Kempner
Once I took a breath and did the numbers it turned out that there information was spot on. From there, the staff handled the entire transaction without any surprises- yes I said "NO SURPRISES-." Thanks to the team and their patience and extreme professionalism throughout the deal, I am heading out in my boat later this week. I STRONGLY recommend this company. Mary Noa-Kempner
Mitzi M.
Apr 07, 2018
Did someone seriously give Sea Dream a 1 star rating for their OWN credit issue? We just wrapped up purchase of our boat and Tom provided nothing but STELLAR assistance, feedback, insight and professionalism each and EVERY step of the way! He was on top of every aspect of the loan and expedited everything right through! Thanks a million Tom!
Travis Baggett
Jan 13, 2018
