All sorts of emails and texts that I received stating that I was preapproved for a boat loan. Then, they denied the loan indicating that I had never taken out a large loan before ($120K) and said I... See more
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Do NOT trust this company, they will get you per-approved and then when you have made your deal and ready to move, will absolutely leave you hanging IMO.
APPLY before disclosing Interest Rates Boatzon, like some other shady internet sites, does not disclose interest rates until you APPLY for a loan. Yup. Thats right. Its like buying a car without know... See more
Company replied
just spoke with Jenn in customer service she was very professional pleasant to speak with answered all my questions and had me excited to purchase a boat and finance thru Boatzon. Thanks again Jenn
Company replied
Company details
Written by the company
Boatzon, is the first 100% online boat, boat loan and marine retailer providing secure direct marketplace services. Boatzon provides marine enthusiasts access to both marine products and loans for boats, engines, trailers and more. Consumers can browse, finance, insure, purchase, and arrange delivery of boats and marine products entirely online. Even Get One Year of Free Boat Towing with a Boat purchase.
Contact info
United States
- boatzon.com
2.2
Poor
25 reviews
Replied to 50% of negative reviews
Typically replies within 24 hours
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See how their reviews and ratings are sourced, scored, and moderated.
PreAppproved...Don't Fall for it..Scammers
All sorts of emails and texts that I received stating that I was preapproved for a boat loan. Then, they denied the loan indicating that I had never taken out a large loan before ($120K) and said I would need a Co-Signer. I am 60-years old and make multiple 6-figures, and have never been asked for a co-signer, including on a Porsche GT3 RS. What a waste of time...avoid them. They have a 1.4 Star Rating and I now know why.
27 March 2026
Unprompted review
Do NOT trust this company
Do NOT trust this company, they will get you per-approved and then when you have made your deal and ready to move, will absolutely leave you hanging IMO.
20 March 2026
Unprompted review
Smoke and Mirrors
Went through the process of Pre-Qualifying for a used boat loan. Submitted all my information including the Year, Make, and Model of the Vessel being acquired. Boatzon marked it as Pre-Qualified however when I went to finalize the loan they stated they don't finance anything older than 20 years old and resold my information to a 3rd party.
Why go through the whole process of pre-qualifying someone with the exact vessel information when you know you don't have a lending product for them?
23 July 2025
Unprompted review
Reply from Boatzon
Hi Thomas. The Boatzon pre-qualification process accounts for your credit profile as well as boat year. However, there are nuances based on the type of boat and the purchase price. For clarity, we do not sell your information to any third parties. We have a lending partner that specializes in boats older than 20 years, and we simply forward your information since we're unable to directly accommodate your request. We apologize for any confusion in the process and wish you the best in your boat buying journey.
Initially you'll get several phone…
Initially you'll get several phone calls, but then after you apply for a loan its a ghost town. Ive called 5 times and left several messages over a week long period and zero response.
11 June 2025
Unprompted review
Reply from Boatzon
I'm sorry to hear you had a bad experience. At Boatzon we strive every day to improve our customer experience. Please send us your information to concierge@boatzon.com and someone will reach out to you to rectify this issue. Thanks.
Do not buy from them….FRAUD….sent…
Do not buy from them….FRAUD….sent money, returned money, claimed the motor we paid for was in its way…tracking number was for a package that weighed less than 40 pounds..not a 200 HP outboard for sure….not even delivered to our address. Been dealing with these jokers for almost 2 months. Filing a police report for fraud.
Still no motor from Boatzon…..what a joke…DO NOT BUY FROM THIS “ BUSINESS “, they are a SCAM!
2 November 2024
Unprompted review
Reply from Boatzon
Hi Darin and Jill. I wasn't able to find any information in our systems indicating you had a transaction with Boatzon directly. It appears you contacted a seller directly and did not reach out to Boatzon for any assistance. Please contact us at concierge@boatzon.com for us to assist you in mitigating this issue, thanks.
Tried many times to set up an account…
Tried many times to set up an account to purchase a boat. Gets to the next step and wont let me proceed. Cannot even create an account...moving on, plenty of places to buy a boat.
6 December 2024
Unprompted review
False Rates and claims…
I was quoted a decent rate with payment of $399 a month for 12 years. Once we were ready to close I decided to add $7,000 more to my down payment. To get even better rate, term stayed the same but payment went to $412 a month and interest went a lot higher. I ended up refusing the loan. I can’t work with a company that crazy.
6 November 2024
Unprompted review
just spoke with Jenn in customer…
just spoke with Jenn in customer service she was very professional pleasant to speak with answered all my questions and had me excited to purchase a boat and finance thru Boatzon. Thanks again Jenn
3 September 2024
Unprompted review
Reply from Boatzon
Thank you so much for your wonderful feedback! We're thrilled to hear that Jenn provided you with such a professional and pleasant experience. It's great to know that she was able to answer all your questions and get you excited about purchasing a boat and financing through Boatzon.
Your satisfaction is our top priority, and we appreciate you taking the time to share your experience. If you have any more questions or need assistance in the future, please don't hesitate to reach out. We look forward to helping you with your boat purchase!
Do not apply! Waste of time.
I have a 760 credit score, applied Thursday & received an immediate pre-approval. They claim fast funding-yet I have heard nothing since. The boat I am purchasing is just waiting for me to fund it after several days of hearing nothing, I called Friday & Monday, both times the girl says it is in underwriting and we will have someone call you right away. No calls back. I am going to pay cash for my boat so I dont lose it. This was a waste of time & caused unnecessary delays that now force me to pay another 2k to fly back to Florida to close late.
20 June 2024
Unprompted review
Reply from Boatzon
Dear Valued Customer (Jaqui),
Thank you for taking the time to share your experience with us. We sincerely apologize for the frustration and inconvenience you've encountered during your loan application process. We understand how important timely communication and swift processing are, especially when it comes to significant purchases like a boat.
We deeply regret that we fell short of our promise of fast funding and failed to provide you with timely updates. Your feedback is invaluable to us, and we take it very seriously. We are immediately reviewing our processes to identify where the breakdown occurred and implement improvements to prevent similar situations in the future.
Your satisfaction is our top priority, and we are committed to learning from this experience to serve you and all our customers better in the future. We value your business and hope to have the chance to regain your trust.
Once again, we sincerely apologize for not meeting your expectations and thank you for bringing this to our attention.
THANK YOU
Best service I've ever had dealing with a finance company. I'm a new boat owner. Thank you Mike at Boatzon.
13 June 2024
Unprompted review
Reply from Boatzon
Thank you for your wonderful feedback!
We're thrilled to hear that you had the best service ever while dealing with us. We’re glad we could assist you in becoming a new boat owner. If you have any further questions or need assistance in the future, please don’t hesitate to reach out. Enjoy your boating adventures!
False advertising
False advertising, do not trust this company! Advertised as anyone with a 620 beacon score or above and over 2 years of credit history will get approval.... this is false. Use a real bank. Don't trust this online nonsense like I feel victim to.
16 May 2024
Unprompted review
Reply from Boatzon
Thank you for taking the time to share your experience with us. We're sorry to hear you did not get approved for our loan product(s) as expected based on our advertised criteria. All of our responsible lenders have an obligation to thoroughly review each application to ensure they only extend credit to those who they merit can reasonably afford to pay it back. This helps protect both our customers and our business.
While we do advertise general approval guidelines which are by No Means a blanket approval statement, a credit decision involves evaluating multiple data points beyond just a credit score and length of credit history. Other factors like income, existing debt obligations, recent credit inquiries, and the type of the boat desired in the request are also carefully considered during an underwriting decision.
We understand the disappointment of being denied credit, especially if you felt you met the stated qualifications. However, making exceptions to our underwriting standards would be unethical and could put customers at risk of taking on more debt than is advisable for their financial situation.
Rest assured, our approval criteria are transparently disclosed, and we have no intention of misleading potential customers. We simply have a data-driven responsibility to ensure lenders proceed prudently. For those who do not qualify with us, we wish you the best in exploring options better aligned with your current credit profile.
Thank you again for the feedback. We are committed to continuously improving our customer experience.
I thought boatzon.com was the lender
I thought boatzon.com was the lender. Did not know it's a lender-finding service. Could've saved some money finding lenders on my own. Don't think I'll be using again.
7 August 2023
Reply from Boatzon
Thank you for your feedback!
We're sorry to hear that you didn't fully understand our service model. Boatzon is a boat loan marketplace that connects borrowers with a network of reputable lenders.
Our goal is to make the boat financing process as fast, easy and convenient as possible by doing the legwork of finding and vetting lenders for you. While it's true that you could potentially find lenders on your own, using Boatzon has several advantages:
•We have relationships with dozens of boat lenders, so you have access to a wider range of financing options in one place.
•Our lenders compete for your business, which can help you get the best rates and terms.
•Our application process is fast and easy - you only have to fill out one form to get multiple loan offers.
•We provide expert guidance and support throughout the process to ensure a smooth experience.
We're always working to improve our service and make sure our customers understand exactly what we offer. In the future, we'll aim to be even clearer about our role as a lender-finding service rather than a direct lender.
We hope you'll consider using Boatzon again for your next boat purchase or refinance. We're confident that the convenience and value of our service will keep you a satisfied customer. Please let us know if there's anything else we can do to help!
Good communication
3 May 2024
Reply from Boatzon
Thank you for taking the time to provide us with a review. Your feedback is always welcome and we see it as a opportunity to get better. We look forward to assisting you with any boating-related needs you may have in the future!
THEY LIE ABOUT INVENTORY
I work for a dealership in KY and we have received calls saying our inventory was on the cite. We have NEVER given them permission to use our pictures or say that they could list our inventory and "sell" it. Our sign is visible in pictures of the boats as well. They are not even trying to hide the fact that they are poaching inventory from dealers and trying to sell it as their own when they have ZERO access to it. Keep this in mind when you are looking because this has happened to multiple dealers and customers.
6 May 2024
Unprompted review
Reply from Boatzon
Hey Bret! We're doing a happy dance over your Boatzon review! We love hearing that the process was easy and quick, and that our responsiveness was on point. Thanks for choosing us, and we’ll see you on the water!
Reply from Boatzon
That's music to our ears! We strive to make the experience smooth and speedy, so hearing you say it was easy to work with us and the approval process was a breeze makes our day. Thanks for the awesome review!
EXCELLENT CUSTOMER SERVICE
This company took great care of me and my concerns. Would highly recommend anyone to shop from them.
Thanks so much!!
1 May 2024
Reply from Boatzon
Wow, that makes our day! We're thrilled to hear we took great care of you and your concerns. That's exactly what we strive for at Boatzon. Thanks for the high praise and recommendation, it truly means a lot! See you on the water!
Fantastic experience
Fantastic experience, professional people that know how to do there jobs, very refreshing in this day and age.
1 March 2024
Reply from Boatzon
High fives all around! We're so glad you found your experience refreshing. Our team works hard to be on top of their game, so your kind words about their professionalism really make their day. Thanks for taking the time to leave such a refreshing review and we’ll see you on the water!
Reply from Boatzon
Thanks for taking the time to leave a review!
We're always happy to have folks explore Boatzon, even if they didn't find exactly what they were looking for this time around. We're constantly adding new products, so be sure to check back again soon – you never know what treasures you might discover!
Loan process was easy but bank didn’t…
Loan process was easy but bank didn’t provide any information when loan was paid off 2 months later
5 February 2024
Reply from Boatzon
We appreciate your feedback on how easy the loan process was for you and thank you kindly for choosing to use Boatzon. We hope you continue to enjoy your time on the water!
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