First, who's applying?

What are we financing?

Pick whatever's closest. We'll sort the details with you.

New or used?

Either is fine. Most marine loans we close are pre-owned. Lenders are used to it.

Tell us about the boat.

Year and make help us value it. Model's a nice-to-have.

And the numbers.

Watch the estimated monthly update as you go. That's a live read on what your loan looks like.

First, what's your name?

Use the name on your driver's license. The lender needs the exact match.

How can the lender reach you?

Phone for confirming. Email for the offers. Both are required by the lender. There's no marketing fine print attached.

When were you born?

Lenders use this to verify it's really you. MM / DD / YYYY.

Anything else?

Marital status helps the lender categorize the file. It's optional. Your loan doesn't depend on it.

Where do you call home?

Lenders verify your address against the application. Make sure it matches your ID.

Own or rent?

Plus your monthly mortgage or rent. Round numbers are fine.

How long have you been there?

If it's under two years, we'll need your previous address too. Lenders look at the last 24 months.

What do you do?

Lenders look at the whole picture. Steady work matters more than a perfect score.

How long, and what's the gross?

Annual gross income: what hits before taxes. Round numbers are fine.

Anything else coming in?

Optional. Rentals, investments, support: anything steady you can document. Skip if there's nothing extra.

Quick review.

Have a look at what you told us. Anything off? Hit Edit to fix it before you sign.

Last step: sign.

Your signature and SSN send a real credit application to our marine-lending partners. We come back with offers inside one business day.

By signing, you authorize Ugly Johns and our marine-lending partners to pull credit and verify your employment. We'll come back inside one business day with your offers.