Call Us To Pre-Qualify!

Chesapeake Financial Services, Inc

Boat Loans From $35,000 & Up
Proof Of Income Is Not Required On Most Loans

Boat Loans and RV Loans from Chesapeake Financial Services Inc.

Offering the best boat loans and RV loans available to date. Chesapeake Financial is a national lender with over 42 years of combined experience.

Chesapeake Financial is one of the oldest boat and RV loan lenders nationwide and for good reason. We work hard to get you the best interest rate we can. We realize money can’t buy you everything, but it can buy you a boat or RV. That’s why we stand behind our commitment to explore all of your options to get you the boat or RV you desire. 

Apply Today

Are you ready to get the boat or RV of your dreams? Apply online, give us a call, or contact us to get started! Your new boat or RV is waiting for you, and we will help get you there.

Responses to applications will be received within 24hrs!

Our Commitment To You

Quick Approvals & Customer Service

After applying you’ll get an answer within 24 hours. Some approvals will be given instantly. We offer flexible RV loans and boat loans that may only take a few minutes to approve.

Protect Your Credit File

We won’t pull your credit needlessly. Our team is committed to protecting your credit while offering you an easy application and approval process.

Self Employed Borrowers

We work with clients who have unique financial situations. You will not automatically be turned down because of it. We take the time to do the work to see if we can qualify you.

Competitive Interest Rates

We work with a variety of lenders who offer various rates, so we can ensure you receive the best rate you possibly can since we shop the market. We always work in the best interests of our clients.

Excellent Customer Satisfaction

4.8 Stars
4.8/5

RV Loans & Boat Loans for the Self-employed

Chesapeake Financial is dedicated to securing the right boat or RV loans for the self-employed and those with unique financial situations. With over 32 years in the industry, we’re not just another bank; we go the extra mile, especially when traditional proof of income is challenging.

If you have a strong credit score but struggle with income documentation, we offer tailored solutions. We can navigate loans up to $199,999 without standard income proof and assist if you lack the significant savings most lenders demand, securing amounts up to $299,999.

We provide transparent, simple interest loans with no pre-payment penalties. Your credit’s safety and affordable repayments are our priorities. At Chesapeake, you’re more than a client; you’re family.

Offering competitive rates for RV and boat loans, we base our interest on product valuation, credit score, and debt-to-income ratios. Begin your seamless loan journey with our online application or call us for a personalized discussion. Remember: A commendable credit score is key for our best rates.

Boat Loans

Maybe you have never owned a boat before or possibly you’re a seasoned boater. Either way, if you are looking for a boat loan from a reliable and top-of-the-line lender experienced in all of the aspects of the boat loan process, look no further.  

As a national boat loan provider, we are number one in providing new and used boat loans nationwide. Boat loans that protect your credit file and fit your budget are the name of the game at Chesapeake Financial. 

We are boat loan experts who also share the passion for boating that you do. Our goal is to provide our clients the boat of their dreams with the least amount of inconveniences as possible. 

We’re just as concerned with staying within your financial limits and protecting your credit security as you are. You just won’t find better service or a personal relationship for boat loans, and that goes for anywhere  in the country. Our boat loans range from $35k – $22 Million.

Do you have a question on what our boat financing can do for you? Give us a call to discuss your model, income, budget, credit score, and more! We will always try to make sure we find a positive solution for your new or used boat loan in Annapolis, Maryland. We have some of the best boat loan rates on the market.

Interested in getting a new or used boat loan? Chesapeake Financial has the options that will work for your budget! We offer the best boat loan rates available.

Our boat loans start at $35,000 and go up to $22-Million. 

We finance these types of boats: bow riders, bass boats, cuddy cabins, center consoles, full cabin, sport cruiser, sail boats, catamarans, trimaran boats, cruisers, yachts, power super yachts, and sail super yachts. 

We also offer refinancing options for boat loans beginning at $100,000 and up. There are many reasons why someone may want to refinance.

  • Reduce monthly payment
  • Reduce your interest rate
  • Extend your loan term
  • Change ownership


No matter what your reason is for refinancing, we can help you get the loan you want. Give us a call and we’ll discuss your available options.

RV Loans

Our qualified and experienced team members are not just financial experts, we are passionate about RV travel. We know RVs and are experts in the loan process. When you are ready to begin, you can apply for an RV loan on our website. We are also available to assist you with your RV loan over the phone, and we will return your call on the same day if you happen to catch us out of the office. All you have to do is  leave a voicemail. We’ll call you back the same day you call us.

With a promised response in 24-hours or less and sometimes even an instant approval, all you need  is a high credit score and you’ll be pre qualified in no time. What are you waiting for? Your RV loan is waiting for you, and we want to help you get it. We assure you, obtaining an RV loan is quicker than you think, so give us a call to discuss your situation with us today. You’ll be on the open road before you know it. 

Chesapeake Financial specializes in new and used RV loans. We work within your budget, protect your credit, and evaluate your income to best match you with a new RV loan that fits your needs. We are a national lender with an easy online application, fast response times, and unmatched customer service. You’ll find it’s truly a pleasure to do business with us.

Our New RV loans start at $35,000 and go as high as $2-Million on model years 2010 and newer.

We finance the following types of RVs: motor homes, 5th wheels, travel trailers, toy haulers, and towable campers. 

RV Loans Chesapeake Financial

We Are a National Boat and RV Lender and Service All 48 States

There are several key considerations before buying a boat or RV. These are important steps that you need to think about before you let someone pull your credit report. 

Credit Report Score: You should have a reasonable idea of what it is. Remember, the better the score, the more likely you’ll be able to obtain at a better interest rate. You may not know your credit score, and that’s fine. However, you can obtain your score at a small charge to you through any of the big three reporting agencies. It’s better than letting a lender do a hard pull as it is not considered an inquiry when you look at your own score.

Credit Track Record: It’s one thing to have a great credit score, but it’s another to have the record to prove it. Do you have a 10-year steady record of payments? Payment history that is recent is much more valuable than history from years past. If your payment history is recent and solid, then you could have greater eligibility to make your purchase.

Valuation of the boat or RV: It’s one thing if your credit is in great shape, but is your purchase worth the loan amount? Vehicle or vessel valuation is a big factor in a lender’s decision. If the valuation doesn’t meet the loan amount, then a lender will have no choice but to decline your request or not give you what you require to complete the purchase. How do you determine the boat or RV valuation? Give us a call and we’ll be happy to help. There are no obligations or pressure to act.

Chesapeake Financial will take special care to ensure that your credit score isn’t tarnished needlessly. We go to great lengths to ensure that valuation and your financial position are in place prior to running your credit. Please call us with any questions you may have about these suggestions. We’d be happy to chat.

  • Credit Score
  • Credit Track Record (Do you have recent, steady record of payments)
  • Valuation of the Boat or RV you’re considering purchasing


We provide loans on new and used boats and RVs. A loan approval depends on the various circumstances of your situation, including how old the boat or RV is, your credit score, the down payment, the loan amount, and other factors.

We also offer 100% financing on a 2019 or newer models as long as the loan amount is under $49999.00 with proper valuations. Check out our boat loans and RV loans page for more information.

Chesapeake Financial is proud to provide fast and secure same-day approvals. Instant approval can happen on the spot for units that are 2019s and newer. All answers are guaranteed within 24 hours, so you won’t be left waiting and staring at the model you want—you’ll be picking it up and, on your way, to adventure.