Boat Dock & Slip Financing

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Boat Dock Financing with Acorn Finance

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Are you in the market to build a boat dock, or thinking about renovating an old dock to store your new boat? Or maybe you’re a contractor with a customer that wants to build a boat dock but needs financing. No matter what your reason is, let Acorn Finance help you secure a boat dock loan or financing today with zero hassle. Secure financing for a boat dock for up to $100,000, even with bad or average credit. You will also get some of the lowest rates around when financing your boat dock through Acorn. Repair your current dock or build a new one today by financing through Acorn Finance.

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How We're Different

Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

Receive Funds Quickly

In some cases, receive funds in as little as one business day.

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

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Compare boat dock financing options without affecting your credit score.

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Dock Loans & Boat Slip Financing Options

Can you get a loan to finance building a boat dock or slip? Yes, you sure can and it could be much easier than you think to qualify. If you are new to the boat ownership world you should understand that a boat dock and boat slip are different. The boat slip can be compared to a parking spot. The boat dock is the actual structure of the metal or wood pier that the boat is parked at. Whether you need to finance building a boat dock and or slip a personal loan may be one of the best options. You can apply online and receive funds as soon as 24 hours on approved loans. Keep reading to learn more about building and financing boat docks and slips.

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How much does it cost to rent a boat slip?

The cost of renting a boat slip mostly depends on the size of the boat and the location. Renting a spot or slip off the dock in the US costs an average of about $50/ft per year. However, location can significantly impact the cost. In some places, it can cost $240+ per foot annually. At $50/ft per year, a slip for a 45’ boat should cost about $2,250 annually.

How much does it cost to finance a boat dock?

On average building a boat dock typically costs somewhere between $3,118 and $25,306. There are many factors that can impact the cost of building a boat dock. These factors include climate, location, depth, saltwater or fresh application, and type of dock. Permanent boat docks such as crib, suspended, and piling can be some of the pricier options. Floating boat docks can be one of the least expensive options and are easy to maintain. If you have a small floating dock it should be easy to remove it from the water if needed. Using prefabricated aluminum floating docks can help keep the cost down. Pipe docks are another affordable option for lakes or calm waters. Pipe docks are usually easy to assemble and not permanently affixed. While wood may be the cheapest material for a dock, concrete may be a better investment. On average, wood docks cost between $80-$150 per linear foot and concrete docks cost between $150-$300 per linear foot. However, concrete docks can last for 50+ years. Wood docks usually only last about 15-20 years. Let’s take a look at boat dock prices by type…

– Floating boat dock $15-$35 per square foot

– Crib boat dock $10,000-$50,000 total

– Pipe boat dock $1,000-$10,000 total

– Piling boat dock $20-$40 per square foot

Is financing a boat dock or boat slip a good idea?

If you don’t have the cash available to build a boat dock or slip, financing might be the next best option. Even though you will most likely pay interest at least you will own your boat dock once the loan is paid off. If you have to rent a boat slip or dock you are required to pay monthly or annually. In exchange you have a place to keep your boat but you do not have an asset to show for the money paid.

What to consider before building and financing a lakeside boat dock:

#1. Stationary vs. floating

Stationary or permanent docks are typically built on wood or concrete piles. They are stable and strong when installed properly. While floating docks can be more versatile, they can rise and drop with water levels. Floating docks float on the surface of the lake, hence to their name. Before building a lakeside boat dock you should consider whether you need a stationary or floating dock.

#2. Depth of water and lake bed

If the lake bed is rocky or has a big drop in depth it may not be an ideal spot to build a dock. For best results, the lake bed should be as flat as possible and sandy. If you have a less than ideal lake bed and unreliable water depth you should consider building a floating dock.

#3. Materials

You may be tempted to use materials such as wood because it’s cheaper but you should remember that better materials can last longer. If you live in an area with harsh weather conditions you should do your research to select the most durable material for conditions.

#4. Hire a professional or DIY

If you are pretty handy with a nice collection of tools you may be able to build a small floating dock on your own. However, building a dock can be complicated especially if you lack experience with waterfront structures. In most cases hiring a professional is a worthy investment to ensure your dock is built properly.

Best financing options for boat docks

If you need a loan to finance a boat dock or slip you should look into using a personal loan. Personal loans do not require collateral, are easy to qualify for, and can allow you to borrow generous amounts. Once you are approved and receive funds you can use the money however you would like. Whether you have good credit or bad credit you can qualify for a personal loan. So where can you get a personal loan? Acorn Finance is an online platform that partners with hundreds of reliable lenders that offer personal loans. Simply submit one online application that does not affect your credit and receive multiple personalized loan offers within seconds. Let’s take a look at some of the pros a personal loan can offer…

Low APR Personal Loan for Boat Slips

 Personal loans up to $100,000

– Competitive interest rates as low as 4.99%

– Terms up to 12 years

– Receive pre-qualified offers without impacting your credit score

– Easy to activate

Closing Thoughts

In conclusion, anytime you can own something versus rent something you should choose ownership if possible. However, in many desirable boating locations, it’s not possible to own or build your own dock or slip. If it is possible to build your own boat dock you should consider using a personal loan to finance the project.

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