Boat Dock & Boat Slip Financing

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Boat Dock Financing

How to Get a Boat Dock & Boat Slip Loan

So you’re living the dream: you’ve bought the lakeside house, you’ve bought (or have your eye on) the perfect boat - but what are you going to moor it to? You need a boat dock, but a boat dock doesn’t come cheaply. HomeAdvisor says the typical cost of a boat dock in 2022 will set you back somewhere between $3,692 and just shy of $30,000, with top-of-the-range ones stretching the budget to $50,000 and beyond. If you want that boat dock, you’ll likely need boat dock financing to help you fund it.

Applying for a boat dock loan is fast and easy:

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After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

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Can you finance a boat dock?

The good news is that there are many options for anyone looking for boat dock financing. That will help you spread the cost over a few years and ease the pressure on your bank account. The sort of finance you apply for depends on your circumstances and the sort of budget you have in mind.

Best Boat Dock Personal Loans

Here is a small selection of some of the best loan providers for your boat dock:

Best Egg has loans of as much as $35,000 over 2-5 years

Best Egg Personal Loan

Best Egg

Funding: Borrow $2,000 - $50,000
Minimum Credit Score: 640
APR: 5.99 - 29.99%
Loan term: 3 - 5 years
Funding turnaround: 1 - 3 business days

With Best Egg personal loans, borrowers with fair to good credit can get funding for 3-5 years and have the option to use the loan for a variety of purposes.

Upgrade offer loans of a maximum of $50,000 spread over 3 or 5 years



Funding: Borrow $1,000 - $50,000
Minimum Credit Score: 660
APR: 5.94% to 35.97%
Loan term: 2 - 7 years
Funding turnaround: as soon as next business day

Upgrade offers borrowers with fair credit scores to obtain loans up to $50k. Joint applications are allowed. Origination fees may apply.

Discover can lend up to $35,000 for 3-7 years

Discover Personal Loans Review


Funding: Borrow $2,500 - $35,000
Minimum Credit Score: 660
APR: 5.99% - 24.99%
Loan term: 3 - 7 years
Funding turnaround: within 24 hours

With Discover personal loans, borrowers can apply up to $35K in funding as fast as next business day. Best for those who want to consolidate debt and have a good credit score.

SoFi has loans of a maximum of $100,000 for 2-7 years



Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 680
APR: 4.99% to 19.53%
Loan term: 2 - 7 years
Funding turnaround: 1 - 3 business days

With SoFi personal loans, borrowers can get access to up to $100,000 with APR starting as low as 4.99% with extra bonus perks ($500 for each funded loan) and fast turnaround time. 24/7 customer support available.

What are the different types of boat dock?

Boat docks come in many forms and price points. The five main types are:

  1. Floating: A floating dock is the most cost-effective way to build a boat dock, coming in at $15-$35 per square foot depending on materials. They are not only the cheapest but offer other advantages too. They are easy to keep in good condition, they are moveable, and are great when water levels fluctuate. However, they are inherently less stable than other types and could be damaged by severe weather conditions.
  2. Piling: A piling dock is so-called because large-diameter pilings (10”-12”) are driven into the lakebed to support the rest of the structure. They are a little more expensive than floating docks and, with maintenance, will last for many, many years. You do need a lake bed with the right qualities to support the pilings. You are looking at up to $40 per square foot so they are a little pricier than a floating dock.
  3. Pipe: If your boat is not super-large, a pipe dock might be the best bet. These off-the-rack boat docks are built of aluminum and you can expect to pay anywhere from $1,000 to $10,000, including construction. You need a flat lake bottom or seafloor for a pipe dock and they are no good if you own a boat the size of an ocean liner.
  4. Crib: A crib dock is a permanent structure with the decking supported by cribs – large square wooden containers filled with rocks. They are very practical, but you will need a permit to build one because of the possible threat to the local ecology, and they cost well into five figures.
  5. Suspended: A suspended boat dock is the ultimate option – a dock built by an engineering company using the technology of a suspension bridge. They look great and have little impact on the environment but are top dollar.

What is the best material to use for a boat dock?

By its nature, a boat dock has to stand up to the prevailing condition, not the least of which is being wet most of the time. Though pressure-treated wood is the go-to material, metal and composites have their adherents. Whichever you choose, make sure it is of high quality to avoid problems down the line.

How can I finance a boat dock?


If you have savings, it’s best to use what you can. All other finance options will cost you money, so if you have the cash, it makes sense to avoid the costs inherent in taking out a loan.

Personal loan

A personal loan is the most common and most flexible way of financing a boat dock. If you have good credit and can easily afford the monthly repayments, then securing a personal loan may be the simplest way of financing the project, as you should be able to find a provider with low interest rates and terms of 2-5 years or more.

Home equity loan

A home equity loan allows you to borrow money against the equity you have in your home. The good news is that interest rates are usually low and you can spread the repayments over 5-30 years – it is essentially a second mortgage. The bad? Your home is at risk if you fail to keep up repayments.


A home equity line of credit operates like a credit card with your house being the collateral. The provider gives you a credit limit which you can draw from as and when needed. Generally, credit limits are high and interest low but as with a home equity loan, the finance company can seize your home if you default.

Can I finance purchasing a boat slip?

Finance can be found for buying a boat slip but you’ll need to look into a personal loan. A boat slip is not generally something that can be used as collateral for the loan, so it won’t be possible to use a home equity loan or similar.

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Is a boat dock or slip a good investment?

A birth for a boat certainly adds value to your property. With marinas charging up to $1,000 a month for a place to dock a boat, you can see that it won’t take long before your investment more than pays for itself. Plus you have the convenience of having your boat securely moored right by your property – like a car in a carport.

Any potential buyer looking at a waterfront property will also find the prospect of a dock attractive, especially in areas where sailing is a huge part of the lifestyle. If you’re not sure if it’s a good investment or not for your property, and you plan to move in the next 5 years or less, it may be worth contacting a real estate agent to ask them whether the investment is likely to be worth it or not when you come to sell.

What credit score do I need to get boat dock financing?

The best rates and longest terms are always offered to those with excellent credit and a low debt to income ratio. For a personal loan or HELOC, a minimum score of 580 is generally needed, but 660 and above will get you better deals.

Boat Dock Financing Calculator

If you want to go ahead with your boat dock project (and what boat owner wouldn’t?), discover how affordable financing can be with our calculator:

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A boat dock can be the icing on the cake for your waterside property, allowing you to get out on the water whenever you want. Once you have all your costs calculated, just compare the offers from your chosen lenders and apply for the finance you want. Applying for a personal loan is usually easy and quick and, once approved, the money is transferred to your account in a matter of hours or days.

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