Chesapeake Financial Services, Inc

Boat Loans & RV Loans Starting At $35,000

Proof Of Income Is Not Required On Most Loans

If We Can't Do It, No One Can!

Quick & Easy Online Application

Boat Loans and RV Loans from Chesapeake Financial

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

If We Can’t Do It, No One Can

We guarantee you that there are no other lenders who will go to the lengths that we will, to get you the boat loan or RV loan you want. We offer boat loans and RV loans starting at $35,000 for both new and used models.

Protect Your Credit File

We won’t pull your credit needlessly. We always check the value of the unit before we pull your credit. We’re committed to protecting your credit while offering you an easy application and approval process.

Self-Employed Borrowers Accepted

We have many years of experience working with clients who have unique financial situations or have trouble providing proof of income. You will not automatically be turned down because of it. We actually take the time to do the work to see if we can qualify you. That’s the beauty of working with us versus a bank. Banks say yes or no, we go the extra mile.

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.

Receive An Answer Within 24 Hours

After filling out our simple-to-use application you’ll get an answer within 24 hours. Some approvals will be given instantly depending on credit, valuation and year of the unit you want to buy. We offer flexible RV loans and boat loans that may only take a few minutes to approve.

Provide Guidance To Improve Your Credit

We’ll make recommendations to improve your credit score if you don’t qualify for a boat or RV loan currently. It may be as little as paying off a few things or lowering your credit card usage.

Ready to get started?

Apply for a New Boat Loans or New RV Loans Today!

Outstanding Customer Service

Lindasy B.
Read More
Chesapeake Financial helped us with the purchase of our fifth wheel. They were so easy to work with. We worked with Phil who is very personable and professional. He is knowledgeable and is easy to work with as well. He walked us through step by step of the entire process when we traded in our camper for a fifth wheel. He was able to get us approved quickly with the same lender who we previously had on the camper we were trading in. He is easy to get ahold of and will always responds to email or voicemail in a timely manner. I would recommend Chesapeake financial to anyone and we will use them again in the future. We were happy to help support a small business!!
Sergio G.
Read More
Great company to do business with and would refer anyone needing a boat loan over to them. Very knowledgeable and will go the extra mile to get you the best rate. Couldn't be more pleased.
Vito M.
Read More
Phi is a pleasure to deal with. I have financed two boats with him and he has always made it an easy, quick process. I would highly recommend contacting Phil when shopping for your boat financing.
Richard R.
Richard R.
Read More
Most of us, at one time or another, will need to apply for some type of loan. Car, home, boat, motorcycle, etc. I have also noticed the larger the loan the deeper the inquiries of my financial position I need to disclose to the potential lender. I just remind myself; it is a process. A few months ago, my wife and I decided to purchase another RV and we needed a loan. After some research we decided to make a phone call to Chesapeake Financial and see what they could do for us. The person who answered the phone was Phil Colonna President of the company. After a short but informative conversation, we decided to apply for a loan and proceeded online. The entire process was completed in a couple of days with phone conversations and updates. We were completely satisfied with the outcome and the way Phil completed the loan. Phil was completely upfront with us about the loan process including transfer of funds. Phil Colonna of Chesapeake Financial and we will do business again! Thanks again Phil.
Robert B.
Read More
Chesapeake financial services was by far the most professional loan company that I have ever dealt with. I dealt with Phil who was very professional and responsive everything was done so quickly for my purchase of my mobile home. I am sure that I will deal with this company in the future, and again thanks again Phil.
Glenn M.
Read More
All I have to say is Amazing!! This is my second boat loan with Phil and he is just great to work with. Chesapeake Phil makes it happen!
Rick D.
Read More
Happy with our boating purchase with Chesapeake financial.
Inissha H.
Read More
AMAZING!!!! I had the pleasure of working with Phil. He is very knowledgeable and took his time to explain the process thoroughly. Phil was able to secure a good interest rate and loan terms. I will definitely use his services in the future! Thanks, Phil!
Jennifer K.
Jennifer K.
Read More
Phil was awesome to deal with through the process of financing our new pontoon. I had contacted a couple of other companies and found it painful to find answers and solutions to my questions. I then called Chesapeake (Phil) and he was very informative and straight forward with the process. The loan went smoothly and was completed in the exact timeframes I was given . I highly recommend Chesapeake Financial for your boating loan needs.

We Supply RV Loan and Boat Loan Rates That Work for You

What makes Chesapeake Financial your go-to National Lender for new and used boat and RV loans? We are able to provide financing for almost anyone, regardless of:

Self-Employed Borrowers Welcome!

Even if you’re self-employed, we can still find the best boat or RV loan that works for you. You can’t beat our customer service. We have a simple five question process when you call us to get prequalified. And that’s not all.


We have many years of experience working with clients who have unique financial situations or have trouble providing proof of income. You will not automatically be turned down because of it. We actually take the time and do the work to see if we can qualify you. That’s the beauty of working with us versus a bank. Banks say yes or no, we go the extra mile.


Over the last 32+ years in business, we have become accustomed to the trials of the self-employed not having proof of income documentation. Well, now we have the answer. If you do not have sufficient ability to prove your income but still maintain a high credit rating, we have more than one way of obtaining up to $199,999 even if you can’t. We can also overcome the lack of personal liquidity up to $299,999. That means that even if you can prove your income but lack the large savings or investment accounts that most lenders require, we can help there as well. Please feel free to give us a call to discuss these options.


We only offer simple interest loans with no pre-payment penalties. All it takes is a good credit score and we can get you a loan. Chesapeake Financial develops a comprehensive one-on-one relationship with each and every one of our clients, offering the finest service available to ensure all needs are met during the financing process. We breakdown every loan, so you feel confident moving forward with your new purchase. You will always know your credit will be protected and that your payments will be entirely within your reach. Simply put, we treat you like family.


Chesapeake offers both RV and boat loans with competitive interest rates. Interest rates will depend on product valuation, credit score, and debt-to-income ratios. Give us a call to discuss your options or fill out the online application to get started right now. Please be advised that good credit is required for preferred rates and terms.

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.

boat loans

What Does A New Or Used Boat Loan With Chesapeake Financial Look Like

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 cover:

We offer the best boat loan rates available.

Looking for more information on what boats we do and do not cover under our boat financing? Check out our new and used boat loans service page for more information to make sure your dream boat is covered!

Chesapeake Financial is available to finance a boat loan for model years 2009 and newer. If you are interested in obtaining a used boat loan for an older model up to 20 years old, we can consider those on a case-by-case basis, taking into consideration the size of the loan, the age of the vessel, and your credit scores. We work with you through every step of the boat loan process, so do not assume your boating dreams are out of reach until you discuss your options with us today. 

Boat financing from Chesapeake Financial is provided for broker, dealer, and private sales. We do not typically require income verification for most boat loans under $150,000.00 on units 20 years old and newer; and up to $199,999 on model years 2011 and newer. Proper valuations are required.

Got 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.

RV Loans

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 cover:

RV Loans Chesapeake Financial

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. 

RV And Boat Financing With National Lenders With A Strong History

Easy Online Application

Our simple online application allows you to apply for a boat loan immediately, without worying about your credit safety. Your credit confidentiality is our top priority.

Fast 24hr Response

Whether you apply online or give us a call, we won’t leave you waiting and wondering; get a response within instantly or within 24 hours so you can prepare to get the boat or RV you desire.

Flexible Financing

We work with clients with various financial backgrounds so we can always work towards a positive solution no matter what your budget is.

Years Of Experience

With over four decades of experience and a positive reputation, we ensure that your financial needs are handled and you feel confident making your boat purchase

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

What You Need to Know Before You Buy

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 2018 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.

Ready to get started?

Apply for a New Boat Loans or New RV Loans Today!

Refinance Your Boat Loan

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

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.

Simple Application & Fast Approvals

At Chesapeake Financial, our application process is simple. You can either apply online or give us a call if you want to discuss the details of your loan. If we’re out of the office, be sure to leave us a message. We’ll return your call the same day.

We promise to get you the answers you need with minimal delay. We work hard to uncover every possible loan option that you may be qualified for so that our national lenders will approve you. 


We take your business seriously by offering the best boat loan and rv loan rates possible. This is a big decision. It should be treated as such with prompt, knowledgeable responses from a team with over 40 years of experience that you trust.