Financing Options

Ready to get out on the water in your dream boat? Discover helpful loan options or fill out our credit application.

Boat Loan Calculator

When it comes to purchasing a new boat or a pre-owned boat securing financing is indeed a crucial step in the process. Working with multiple lenders can help you find competitive rates and favorable terms that align with your financial situation. Here are some key points to consider when navigating boat financing:

Credit Score: Your credit score plays a significant role in determining the interest rates and terms you qualify for. A higher credit score typically translates to better loan offers.
Down Payment: Lenders often require a down payment for boat loans, typically ranging from 10% to 20% of the boat’s purchase price. A larger down payment can potentially lower your monthly payments and interest rates.
Loan Terms: Boat loans usually have terms ranging from 3 to 20 years. Longer loan terms may result in lower monthly payments but could mean paying more interest over the life of the loan.
Interest Rates: Interest rates can vary depending on factors like credit score, loan amount, and loan term. Shopping around with multiple lenders can help you find the most competitive rates available.
Pre-Approval: Getting pre-approved for a boat loan can give you a clearer idea of your budget and streamline the purchasing process once you find the right boat.
Insurance Requirements: Most lenders will require you to carry boat insurance for the duration of the loan. It’s essential to factor in insurance costs when budgeting for your boat purchase.
Loan Options: There are various types of boat loans available, including fixed-rate loans, variable-rate loans, and balloon payment loans. Each option has its pros and cons, so it’s essential to understand the terms before committing.

By working with multiple lenders, you can compare offers and choose the financing option that best fits your needs and budget.

The Happy Days Way

At Happy Days Boating, the Happy Days' Way means offering the highest quality boats and services to our customers. With attention to detail and a commitment to excellence, we strive to exceed your expectations at every turn, ensuring your boating experience is nothing short of exceptional.

New Inventory

Explore our selection of new boats and watercraft chosen for our fleet for an unforgettable boating experience tailored to exceed your expectations.

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Pre-Owned

Discover our carefully curated collection of high-quality pre-owned boats, offering exceptional value without compromising on performance or enjoyment.

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Boat Services

Browse our comprehensive range of boat services, designed to ensure your vessel remains in pristine condition for all your boating adventures.

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Questions about our Boat Services?

Connect with one our helpful team members today.

(419) 732-2116

      
   Happy Days Boating
   100 Google reviews 
  Write a review 
  
 
 
   
 
 
        
   David Rowe 
 August 12, 2024
 
 
  I had been searching for a used Parker 2320 SL for some time and Happy Days notified me they had one coming in on trade. I drove 10 hours to pick up the boat.  It was worth it.  We love the boat. They were great to work with throughout the process.
  
 
       
   Norm Collins 
 July 30, 2024
 
 
  AWESOME PEOPLE!!!
Broke down on the lake and they happy towed us to the dock. Thanks so much!!
  
 
       
   Michelle Mullins 
 July 25, 2024
 
 
  From cradle to grave, the entire team at Happy Days Boating has the best customer service out there. This is our second purchase and will return in a decade for our forever boat. I wish I had more stars to add to this rating. Another satisfied customer! 😀
  
 
       
   David Dininny 
 May 25, 2024
 
 
  Great experience!! Great service!!
  
 
       
   Mr.Beast. 
 May 23, 2024
 
 
  We went to see dolphins and the tour guide was very good at his job. We saw dolphins and had a great time. My brothers cap fell off and the tour guide went back to get it.
  
 
       
   Toni Moody 
 April 16, 2024
 
 
  I’ve been an employee at Happy Days for almost 20 years now. I couldn’t ask for better people to work for and with! I also bought my Striper boat from here! The service has been great from start to finish!
  
 
       
   sherri barnette 
 April 16, 2024
 
 
  Being a part of this family owned business for over twenty years has been amazing!
I have learned so much about the boating business and customer service! I look forward to many years to come with the owners, coworkers, and customers! Thanks again to Happy Days Boating for choosing to have me as a part of the team!
  
 
       
   patrick wilson 
 March 27, 2024
 
 
  Great place, friendly and helpful salesmen and service department, definitely recommend checking this place out for your next boat!

Update: After several years with Happy Days service department performing maintenance, upgrades, repairs, as well as winter storage for my boat, I can say the other areas of this business have impressed me just as much.  The service department is super organized, they always take care of any and all items I have when I drop the boat off for storage.  I have never had to remind them about things as they have always been very throughout, and the boat is always ready for pickup on the day I am ready for it.  Still a very happy customer after several years, keep up the great work!