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.
Frequently Asked Questions
Ready to See What’s Possible?
Get your personalized rate quote in under 24 hours. No SSN required. No obligation.
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.