Boat Loans and RV Loans from Chesapeake Financial

740 credit scores or higher are required to get the best boat loans and RV loans available to date. Chesapeake Financial is a national lender with over 40 years of combined experience.

Are you at a time in your life when boating or the RV experience is calling to you? Are you ready to make the purchase of your life? Can you begin to feel the excitement build?


At Chesapeake Financial, we are not just boat loan and RV loan experts, we are boating enthusiasts and passionate about RV travel. We want to get you out on the water or exploring the open road as quickly as possible!


As a knowledgeable National Lender based in Annapolis, MD we are dedicated to helping you embrace the lifestyle and travel opportunities that await with a new or used boat or RV. We offer boat loans and RV loans starting at $35,000 for both new and used models. If you have a good credit score, you can be approved right on the spot by applying either online. Still need help? Please give us a call with any questions. 877-787-6764


After filling out our simple-to-use application you’ll get an answer within 24 hours. Some approvals will be given instantly. We offer flexible RV loans and boat loans, but more importantly, we guarantee you that there are no other lenders who can assist you like the dedicated team at Chesapeake Financial.


We’re committed to protecting your credit while offering you an easy application and approval process. Before you know it, you’ll have the lifestyle you desire and deserve.

Apply Today

Are you ready to get the boat or RV of your dreams? Apply online, give us a call, or contact us to get started! Your new boat or RV is waiting for you, and we will help get you there.


Responses to applications will be received within 24hrs!

Ready to get started?

Apply for a New Boat Loans or New RV Loans Today!
Outstanding Customer Service
Lindasy B.
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Chesapeake Financial helped us with the purchase of our fifth wheel. They were so easy to work with. We worked with Phil who is very personable and professional. He is knowledgeable and is easy to work with as well. He walked us through step by step of the entire process when we traded in our camper for a fifth wheel. He was able to get us approved quickly with the same lender who we previously had on the camper we were trading in. He is easy to get ahold of and will always responds to email or voicemail in a timely manner. I would recommend Chesapeake financial to anyone and we will use them again in the future. We were happy to help support a small business!!
Sergio G.
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Great company to do business with and would refer anyone needing a boat loan over to them. Very knowledgeable and will go the extra mile to get you the best rate. Couldn't be more pleased.
Vito M.
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Phi is a pleasure to deal with. I have financed two boats with him and he has always made it an easy, quick process. I would highly recommend contacting Phil when shopping for your boat financing.
Richard R.
Richard R.
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Most of us, at one time or another, will need to apply for some type of loan. Car, home, boat, motorcycle, etc. I have also noticed the larger the loan the deeper the inquiries of my financial position I need to disclose to the potential lender. I just remind myself; it is a process. A few months ago, my wife and I decided to purchase another RV and we needed a loan. After some research we decided to make a phone call to Chesapeake Financial and see what they could do for us. The person who answered the phone was Phil Colonna President of the company. After a short but informative conversation, we decided to apply for a loan and proceeded online. The entire process was completed in a couple of days with phone conversations and updates. We were completely satisfied with the outcome and the way Phil completed the loan. Phil was completely upfront with us about the loan process including transfer of funds. Phil Colonna of Chesapeake Financial and we will do business again! Thanks again Phil.
Robert B.
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Chesapeake financial services was by far the most professional loan company that I have ever dealt with. I dealt with Phil who was very professional and responsive everything was done so quickly for my purchase of my mobile home. I am sure that I will deal with this company in the future, and again thanks again Phil.
Glenn M.
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All I have to say is Amazing!! This is my second boat loan with Phil and he is just great to work with. Chesapeake Phil makes it happen!
Rick D.
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Happy with our boating purchase with Chesapeake financial.
Inissha H.
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AMAZING!!!! I had the pleasure of working with Phil. He is very knowledgeable and took his time to explain the process thoroughly. Phil was able to secure a good interest rate and loan terms. I will definitely use his services in the future! Thanks, Phil!
Jennifer K.
Jennifer K.
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Phil was awesome to deal with through the process of financing our new pontoon. I had contacted a couple of other companies and found it painful to find answers and solutions to my questions. I then called Chesapeake (Phil) and he was very informative and straight forward with the process. The loan went smoothly and was completed in the exact timeframes I was given . I highly recommend Chesapeake Financial for your boating loan needs.

We Supply RV and Boat Loan Rates That Work for You

What makes Chesapeake Financial your go-to National Lender for new and used boat and RV loans? We are able to provide financing for almost anyone, regardless of:

What You Need to Know Before You Buy

There are several key considerations before buying a boat or RV. These are important steps that you need to think about before you let someone pull your credit report. 


Credit Report Score: Do you have at least a 740+ credit score? Remember, the better the score, the more likely you’ll be able to purchase at a better interest rate. A 740 score is the bare minimum but that isn’t the only credit consideration. You may not know your credit score, and that’s fine. However, you can obtain your score at a small charge to you through any of the big three reporting agencies. It’s better than letting a lender do a hard pull as it is not considered an inquiry when you look at your own score..


Credit Track Record: It’s one thing to have a great credit score, but it’s another to have the record to prove it. Do you have a recent, steady record of payments? Payment history that is recent is much more valuable than history from years past. If your payment history is recent and solid, then you could have a greater eligibility to make your purchase.


Valuation of the boat or RV: It’s one thing if your credit is in great shape, but is your potential purchase worth the loan amount? Vehicle or vessel valuation is a big factor in a lender’s decision. If the valuation doesn’t meet the loan amount, then a lender will have no choice but to decline your request or not give you what you require to complete the purchase. How do you determine the boat or RV valuation? Give us a call and we’ll be happy to help.There are no obligations or pressure to act.


Solid Liquidity Position: Do you have accessible funds? In other words, cash in the bank. This could even mean investments, IRAs, 401Ks and or other forms of liquidity. Especially on large loans over $100,000.00, a lender will want to see a solid financial position in order to lend money. Even though you’re financing the boat or RV, you want to have financial backing to help the lender see that you are able to keep up with the payments. 


Chesapeake Financial will take special care to ensure that your credit score isn’t tarnished needlessly. We go to great lengths to ensure that valuation and your financial position are in place prior to running your credit. Please call us with any questions you may have about these suggestions. We’d be happy to chat.


  • Credit Score
  • Credit Track Record (Do you have recent, steady record of payments)
  • Valuation of the Boat or RV you’re considering purchasing
  • Solid Liquidity Position (Accessible funds in cash or investments)

Boat Loans

Maybe you have never owned a boat before or possibly you’re a seasoned boater. Either way, if you are looking for a boat loan from a reliable and top-of-the-line lender experienced in all of the aspects of the boat loan process, look no further.  

As a national boat loan provider, we are number one in providing new and used boat loans nationwide. Boat loans that protect your credit file and fit your budget are the name of the game at Chesapeake Financial. 

We are boat loan experts who also share the passion for boating that you do. Our goal is to provide our clients the boat of their dreams with the least amount of inconveniences as possible. 

We’re just as concerned with staying within your financial limits and protecting your credit security as you are. You just won’t find better service or a personal relationship for boat loans, and that goes for anywhere  in the country. Our boat loans range from $35k – $22 Million.

boat financing available

What Does a New or Used Boat Loan with Chesapeake Financial Look Like

Interested in getting a new or used boat loan? Chesapeake Financial has the options that will work for your budget! We offer the best boat loan rates available.


Our boat loans start at $35,000 and go up to $25-Million. We cover:


  • Bow Riders
  • Bass Boats
  • Cuddy Cabins
  • Center Consoles
  • Full Cabin
  • Sport Cruisers
  • Sail Boats
  • Catamarans
  • Trimaran Boats
  • Cruisers
  • Yachts
  • Power super yachts
  • Sail super yachts 

We offer the best boat loan rates available. 

Looking for more information on what boats we do and do not cover under our boat financing? Check out our new and used boat loans service page for more information to make sure your dream boat is covered!

Chesapeake Financial is available to finance a boat loan for model years 2008 and newer. If you are interested in obtaining a used boat loan for an older model, we can consider those on a case-by-case basis, taking into consideration the size of the loan, the age of the vessel, and your credit scores. We work with you through every step of the boat loan process, so do not assume your boating dreams are out of reach until you discuss your options with us today. 

Boat financing from Chesapeake Financial is provided for broker, dealer, and private sales. We do not typically require income verification for most boat loans under $100,000.00 on units 15 years old and newer; and up to $125,000.00 on model years 2018 and newer.

Got a question on what our boat financing can do for you? Give us a call to discuss your model, income, budget, credit score, and more! We will try to always make sure we find a positive solution for your new or used boat loan in Annapolis, Maryland. We have some of the best boat loan rates on the market.

RV Loans

Chesapeake Financial specializes in new and used RV loans. We work within your budget, protect your credit, and evaluate your income to best match you with a new RV loan that fits your needs. We are a national lender with an easy online application, fast response times, and unmatched customer service. You’ll find it’s truly a pleasure to do business with us.


Our New RV loans start at $35,000 and go as high as $2-Million.  We cover:

  • Motor Homes
  • 5th Wheels
  • Travel Trailers
  • Toy Haulers
  • Towable Campers
RV under the stars

Our qualified and experienced team members are not just financial experts, we are passionate about RV travel. We know RVs and are experts in the loan process.

When you are ready to begin, you can apply for an RV loan on our website. We are also available to assist you with your RV loan over the phone, and we will return your call on the same day if you happen to catch us out of the office. All you have to do is  leave a voicemail. We’ll call you back the same day you call us.


With a promised response in 24-hours or less and sometimes even an instant approval, all you need  is a high credit score and you’ll be pre qualified in no time. What are you waiting for? Your RV loan is waiting for you, and we want to help you get it.

We assure you, obtaining an RV loan is quicker than you think, so give us a call to discuss your situation with us today. You’ll be on the open road before you know it. 


RV and Boat Financing with National Lenders With a Strong History

Easy Online Application

Our simple online application allows you to apply for a boat loan immediately, without worying about your credit safety. Your credit confidentiality is our top priority

Fast 24hr Response

Whether you apply online or give us a call, we won’t leave you waiting and wondering; get a response within instantly or within 24 hours so you can prepare to get the boat or RV you desire

Flexible Financing
We work with clients with various financial backgrounds so we can always work towards a positive solution no matter what your budget is
Years of Experience
With over four decades of experience and a positive reputation, we ensure that your financial needs are handled and you feel confident making your boat purchase

Our Locations

We’re a national boat and RV lender in the contiguous 48 states. Here are a few of the states where we service loans.

Self Employed Borrowers Welcome!

Even if you’re self-employed, we can still find the best boat or RV loan that works for you. You can’t beat our customer service. We have a simple five question process when you call us to get prequalified. And that’s not all.

We have many years of experience working with clients who have unique financial situations or have trouble providing proof of income. You will not automatically be turned down because of it. We actually take the time and do the work to see if we can qualify you. That’s the beauty of working with us versus a bank.

We have a vast array of loan programs at our disposal. All it takes is a good credit score and we can get you a loan. Chesapeake Financial develops a comprehensive one-on-one relationship with each and every one of our clients, offering the finest service available to ensure all needs are met during the financing process. We breakdown each rate, payment, loan period, and more, so you feel confident moving forward with your new purchase. You will know your credit will be protected and that your payments will be entirely within your reach. Simply put, we treat you like family.

Chesapeake offers both RV and boat loans with fixed interest rates starting at 5%. Interest rates can also depend on product valuation, credit score, and debt-to-income ratios. Give us a call to discuss your options, or fill out the online application to get started right now. Please be advised that good credit is required for preferred rates and terms.


Ready to get started?

Apply for a Boat or RV Loan Today!

We provide loans on new and used boats and RVs. A loan approval depends on the various circumstances of your situation, including how old the boat or RV is, your credit score, the down payment, the loan amount, and other factors.


We also offer 100% financing on 2018 or newer models as long as the loan amount is under $49999.00 with proper valuations. Check out our boat loans and RV loans page for more information.

Chesapeake Financial is proud to provide fast and secure same-day approvals. Instant approval can happen on the spot for units that are 2018 and newer. All answers are guaranteed within 24 hours, so you won’t be left waiting and staring at the model you want—you’ll be picking it up and on your way to adventure.

Refinance Your Boat Loan or RV Loan

 boat loansWe also offer refinancing options for RV loans and boat loans beginning at $75,000 and up. There are many reasons why someone may want to refinance.


  • Lower Monthly Payment
  • Reduce Your Interest Rate
  • Extend Your Loan Term
  • Change Ownership


No matter what your reason is for refinancing, we can help you get the loan you want. Give us a call and we’ll discuss your available options.


Simple Application & Fast Approvals

At Chesapeake Financial, our application process is simple. You can either apply online or give us a call if you want to discuss the details of your loan. If we’re out of the office, be sure to leave us a message. We’ll return your call the same day.


We promise to get you the answers you need with minimal delay. We work hard to uncover every possible loan option that you may be qualified for so that our national lenders will approve you. 


We take your business seriously by offering the best boat loan and rv loan rates possible. This is a big decision. It should be treated as such with prompt, knowledgeable responses from a team with over 40 years of experience that you trust.