Port Richey, FL
9747 U.S. Hwy 19
Port Richey, Florida 34668
Call Us at
727.856.BOAT
Mon - Sat | 9am - 5pm
Port Richey, FL
9747 U.S. Hwy 19
Port Richey, FL 34668
Call Us at
Mon - Sat | 9am - 5pm

Boat Financing

Know Your Buying Power Before You Shop

Unreel Marine has partnered with Epic Finance to make financing your next boat simple. Start with a soft credit check that won't affect your score, hear back from the Epic team within an hour, and shop our new and preowned boats with your budget in hand. Terms up to 20 years are available on qualifying loans.

Apply with Epic
In partnership with

How It Works

1

Apply With Epic
Fill out Epic Finance's secure online application. Epic starts with a soft credit check that won't affect your score, and their team reaches out within an hour of your submission.

2

Choose Your Boat
Shop our new and preowned inventory at Unreel Marine in Port Richey, Florida. Every preowned boat on our lot passes our 8-point inspection, or we don't sell it!

3

Close and Get on the Water
Epic shops your application with its network of lending partners. Once you're approved, you sign your paperwork right here at our Port Richey dealership. No trip to the bank required.

What You'll Need

Have this information ready before you start your application.

Personal Information
Epic will need your name, address, phone number, Social Security number, date of birth and driver's license.
Financial Information
Income, employer and monthly housing payment. Depending on the loan, the lender may also ask for pay stubs, W-2s, tax returns, or bank statements.
Boat Information
New or used, year, make and estimated value. A down payment of around 10% is common, though some loans require more.
Start your Application

What Our Customers Are Saying

“Can't say enough good things about these folks. I dealt with Brad for most of the process of purchasing my boat.Along the way I met his brother Matt,son Josh, nephew and wife.All wonderful people who actually made the normally stressful purchase of such an expensive item easy to handle. Never felt pressured at anytime. Easy to negotiate with. And on top of everything, they were in the middle of moving to a new location and still made the whole process fast and simple. If you're in the market for new or used,make sure you give these folks a call.”
Gene AhearnMarch 2026 · Google
“First google review, but Unreel Marine deserves it! The entire staff is wonderful, Matt is exceptional. He is not only extremely professional, he goes above and beyond to ensure the satisfaction of his customers. If you are in the market for a boat and want fair pricing, fantastic finance options, or just need some expert advice, Unreel Marine is where it's at! Highly recommended, if there were 10 stars to give, Unreel Marine would get them all. Thanks again to Matt and all of the staff at Unreel Marine.”
Lyndsey DempseyAugust 2026 · Google
“Looking for a newer family or fishing boat in good condition, low hours, with great customer service and prices that can't be beat? Matthew is your man. He will take the time to assess your needs and budget, and recommend. Great boats come and go quickly there. I had to cancel an appointment with him and 3 other people haggled for that boat. No problem... I took the one next to it. It seems that every boat has multiple people wanting it because the prices are below the crazy market. Max recommend.”
Mike HughesSeptember 2023 · Google

Frequently Asked Questions

Have another question? Call us at 727.856.BOAT.

Does pre-qualifying affect my credit?

Not at first. Epic starts with a soft credit check that won't affect your score. A hard inquiry only happens when a lender issues a formal approval.

How long can I finance a boat?

Terms up to 20 years (240 months) are available on qualifying loans. Your term depends on the lender, the loan amount, the boat's age, and your credit. Larger loans and newer boats usually qualify for longer terms.

Do I need a down payment?

In most cases, yes. Around 10% of the purchase price is common, but some loans require more depending on your application.

Can I get financing with less-than-perfect credit?

Epic works with applicants across all credit ranges and partners with banks, credit unions, and specialty lenders, so it can look for a fit beyond what a single bank offers.

How fast will I hear back?

Epic's team reaches out within an hour of your application. Some applications take longer if more information is needed, but you'll still get a status update in that first hour.

Can I include a trade-in?

Yes. We'll give you a trade-in value that can be applied toward your purchase.

Can I apply with a co-applicant?

Yes, Epic's application allows you to apply jointly by adding a co-applicant, which may help you qualify for better terms.

Ready to Get on the Water?

Pre-qualify Quickly Online

Whether you're a first-time buyer or an experienced boater, their team streamlines the entire process — from pre-qualification to final approval — so you can spend less time on paperwork and more time on the water. Apply with Epic Finance, our financing partner for boat buyers at Unreel Marine. Start with a soft credit check and most applicants hear back within an hour.