Marine loan

BOAT LOAN (NEW / PRE-OWNED)

Owning a boat is easier than it seems with CGI Finance, the leading specialist in marine financing. As experts in boat loans, we support you in bringing your project to life with tailored solutions designed to match your budget and your needs.

Whether you are financing a small leisure boat, a sailing yacht, or a luxury vessel, we offer flexible financing solutions of up to €4 million (incl. VAT). Thanks to our tailored offers, you benefit from adjustable repayment terms and a competitive interest rate.

You’ll soon be ready to cast off on your own boat! Discover on this page all the information you need to finance your vessel and bring your sailing project to life with complete peace of mind.

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What are the features of a boat loan?

A boat loan offers several features and advantages. We provide a wide range of tailored financing solutions adapted to your situation for the purchase of a motorboat, sailing yacht, catamaran, or inflatable boat.

  1. New or pre-owned boat
  2. You can borrow a total amount ranging from €10,500 to €4 million (incl. VAT).
  3. Flexible personal contribution.
  4. Motorboats or sailing boats.
  5. Competitive fixed APR.
  6. For both private individuals and businesses.
  7. Financing term from 12 to 180 months.
  8. You are the owner of the boat.

Boat loan or recreational insurance financing: your choice of solution?

To make your process easier, we offer a range of marine financing options. Our goal is to ensure that every boating enthusiast can find a solution that perfectly meets their expectations.

With CGI Finance, you also gain access to additional services such as recreational boat insurance financing, combining tailored funding with optimized coverage. An ideal way to bring your dream to life and fully enjoy your boat without constraints.

THE ADVANTAGES OF A CGI FINANCE BOAT LOAN

ADJUSTMENT OF YOUR MONTHLY PAYMENTS

Benefit from optimal flexibility by adjusting your monthly payments up or down. This option allows you to adapt your repayments to your financial situation for more comfortable and controlled budget management.

PARTIAL EARLY REPAYMENT

With partial early repayment, you can make an additional payment and choose either to reduce your monthly installments or shorten the duration of your contract. An ideal solution to optimize your budget and better manage your investment.

PAYMENT DEFERRAL

With the no-fee payment deferral option, you can postpone a monthly installment without providing justification. A real advantage for handling unexpected events while preserving your peace of mind.

CHANGE OF DIRECT DEBIT DATE

Change your direct debit date according to your needs, allowing you to better manage your cash flow and avoid any financial imbalance.

Recreational boat insurance financing: features

For complete peace of mind, opt for the new Recreational Boat Insurance Financing package designed by our partner institutions. This comprehensive solution allows you to finance your boat while benefiting from optimal coverage. See for yourself!

  1. New or pre-owned boat under 30 years old: Benefit from financing tailored to your project, whether for a recent boat or a well-maintained pre-owned model.

  2. Purchase price below €500,000 (incl. VAT): Accessible financing for a wide range of boats.

  3. Loan amount provided as a credit facility: A solution tailored to your budget with adjustable monthly payments (request an online quote to receive a quick initial estimate for your recreational boat insurance financing).

  4. Integrated insurance: Benefit from comprehensive coverage including liability, boat protection, and assistance in the event of unforeseen circumstances.

  5. Flexible repayment: Options to adjust your monthly payments or make a partial early repayment.

  6. Protection in the event of a claim: In case of damage or theft, the insurance helps safeguard your investment.

With recreational boat insurance financing, you benefit from secure funding and worry-free sailing. Choose peace of mind and focus entirely on your enjoyment at sea!

THE ADVANTAGES OF RECREATIONAL BOAT INSURANCE FINANCING

PROTECTION IN CASE OF TOTAL LOSS (DAMAGE OR THEFT)

For a boat less than 5 years old from the date of first registration: Replacement with a boat of equivalent characteristics (not exceeding the insured value).

5-YEAR DAMAGE COVER WITHOUT DEPRECIATION

Coverage against damage with no depreciation applied for five years from the date of the boat’s first registration.

LIABILITY COVERAGE UP TO €10 MILLION

Be protected against damage caused to third parties with extended liability coverage, essential for worry-free navigation.

24/7 ASSISTANCE

Assistance is available at all times, with support provided in port or up to 6 nautical miles offshore, ensuring you’re never left without a solution.

PERSONAL MARINE PROTECTION

Secure your navigation with personal coverage that protects against bodily injury and unforeseen events that may occur during your time at sea.

[OPTIONAL] ENGINE PROTECTION FOR BOATS UNDER €300,000

Specific coverage for engines on boats valued under €300,000, ensuring optimized protection in the event of breakdown or damage.

Combine financing and peace of mind with this comprehensive service, offering optimal protection and dedicated support 7 days a week.
The recreational boat insurance financing package allows you to sail with confidence, backed by strong guarantees tailored to all types of boating enthusiasts.
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Run a boat loan or recreational boat insurance financing simulation: steps to follow

Would you like to simulate your boat loan? Here is a quick overview of the steps involved:

  • Step 1: Choose a boat from a partner dealer and determine its cost.
  • Step 2: We discuss your boat financing project together.
  • Step 3: We provide you with a loan simulation based on the amount you wish to borrow.
  • Step 4: Your financing application is reviewed by our team within a short timeframe.
  • Step 5: If your application is approved, you become the owner of your boat with complete peace of mind as soon as the loan agreement is signed (and after the legal withdrawal period has elapsed).
  • Step 6: We support you throughout the entire duration of your loan, remaining available whenever you have questions.

What are the borrowing conditions for recreational boat financing? What interest rate is applied by the lending institution to finance a boat? What is the ideal amount for a potential down payment?
To these frequently asked questions—and any others you may have—our partners provide clear and comprehensive answers. Contact us now to receive your personalized quote and benefit from our expertise.

Recreational boat loan: a flexible financing solution

If you are looking to acquire a boat through marine financing, a recreational boat loan is an advantageous solution. Specifically designed to fund the purchase of a leisure boat, this type of loan offers attractive conditions. You can obtain a boat loan with or without a down payment and repay it over a period of up to fifteen years, depending on the cost of the boat.

Become the owner from the moment you purchase your recreational boat

Unlike other financing options such as lease with option to buy, a boat loan allows you to become the owner of the boat immediately. In addition, interest rates applied to recreational boat loans are often more competitive than those of personal loans, which can lead to significant savings on the total cost of the loan. It is recommended to take out optional insurance to cover risks related to navigation and potential damage while moored.

Flexible repayment terms to suit your budget

Repayment terms for a recreational boat loan can be tailored to your budget and needs. You can choose repayment periods of up to fifteen years, providing flexibility in managing your monthly payments.

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