Why Go with Shelter Island Funding for Your Loan?
We're based in San Diego, not a national call center. We know these waters because we're coastal, too! Meet in person if you'd like.
We shop your loan across a network of competitive lenders instead of pitching one bank's rate.
Get real numbers based on your situation without a credit pull or sensitive personal data.
Submit your details today, hear back with a personalized rate quote within one business day.
What People are Saying about Shelter Island Funding
We enjoyed working with Ryan because he was in constant communication with us and pleasant to work with. We never had to guess where things were at. We gave him an aggressive closing date and he nailed it. Great to work with.
Glen T.
Google Reviews
Shelter Island Funding is fantastic! They really do get yacht and RV loans and what matters to the customer. Plus, they're local here to San Diego and because of that, they truly understand the specific needs of locals.
Tim H.
Google Reviews
Dealer Financing Isn't the Whole Picture
When you finance through a yacht dealer, they’re not necessarily showing you the best rate available to someone with your financial profile. Dealer financing is convenient — it’s just rarely the most competitive option for buyers who can shop the market.
We work as your broker, comparing offers across our network of lending partners and bringing you back the strongest deal. You stay in control. We handle the legwork.
How it Works
1. Tell Us About Your Purchase
Quick form below - takes about 90 seconds. We just need the basics to start. No SSN, no full credit pull.
2. We Shop Our Lender Network
Within 24 hours, we present you with the best rates and terms our partner lenders are offering for your specific situation.
3. You Decide!
Compare to your dealer’s offer or anything else you’re considering. No pressure, no obligation. If it’s a fit, we walk you through application and closing.
Get Your Rate Quote
Six Quick Questions.
We'll be in touch within one business day with real numbers.
"Rates are based on current market conditions and may change. Lock in today's quote before rates move.
Frequently Asked Questions
Ready to See What’s Possible?
Get your personalized rate quote in under 24 hours. No SSN required. No obligation.
Rates as low as 5.74% APR for qualified borrowers. Annual Percentage Rate (APR) represents the annual cost of your loan including interest and applicable fees. Actual rates, terms, and approval are determined by the lending institution based on creditworthiness, loan amount, loan term, vessel type and age, down payment, and other factors. Not all applicants will qualify for the lowest rate advertised. Rates and terms are subject to change without notice.
Loan amounts from $75,000 to $10,000,000+. Terms from 72 to 240 months. Down payment requirements range from 0% to 30% depending on vessel age, loan amount, and borrower profile. Minimum credit score of 680 required; most approvals occur at 720 and above.
Representative Example: A $300,000 loan at 5.74% APR for 180 months (15 years) would result in an estimated monthly payment of approximately $2,493. Total interest paid over the life of the loan: approximately $148,740. This is an illustrative example only. Your actual rate, term, and monthly payment will depend on your individual financial profile and the terms offered by the lending institution.
Shelter Island Funding acts as a loan broker and is not a direct lender. We connect borrowers with a network of marine lending partners to find competitive rates and terms. Loan approval, rates, terms, and conditions are determined by the lending institution. Shelter Island Funding does not guarantee loan approval or specific terms.
Shelter Island Funding | 4135 Voltaire Street, Suite 204, San Diego, CA 92107
Disclosure: Shelter Island Funding is a loan broker. We do not directly extend credit. Loan terms, rates, and approval are determined by individual lenders within our partner network and are subject to credit qualification, underwriting review, and final lender approval. Rate quotes are estimates based on information provided and are not guarantees of credit terms. All credit decisions are made by the lender, not by Shelter Island Funding.
Equal Credit Opportunity: Shelter Island Funding does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant’s income derives from any public assistance program. The federal agency that administers compliance with this law concerning Shelter Island Funding is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.