Competitive Rates
Sheffield offers competitive marine financing rates. We'll show you the math against any other quote.
Financing
Flexible marine financing.
In-house financing through Sheffield Financial — a Truist company. Competitive rates on new and pre-owned boats, plus special Suzuki repower programs.
How It Works
Three steps. From dock to driveway.
Pre-qualify in two minutes. Real numbers, real fast — no obligation.
- 01
Pre-Qualify
Soft credit check. No impact to your score. Two minutes online or in person.
- 02
Choose Your Boat
Browse our inventory or pick a Suzuki repower. We help match financing to budget.
- 03
Enjoy Your Boat
Sheffield handles the paperwork. You get the keys and head to the water.
Why Sheffield
Why we partner with Sheffield Financial.
Sheffield specializes in marine financing — they understand boats, seasonal usage, and the real-world economics of boat ownership.
Suzuki Repower Subsidies
Special low-rate programs available for Suzuki outboard repowers, often combined with manufacturer rebates.
Quick Pre-Qualification
Soft credit check returns a decision in minutes. Knowing your budget upfront speeds up the buying process.
Flexible Terms
Loan terms from 24 to 240 months. Match the payment to your situation, not someone else's spreadsheet.
Ready to Start?
Pre-qualify in two minutes.
Soft credit check, no impact to your score. We'll talk you through the Sheffield application or you can start it yourself online.
Common Questions
Frequently asked questions.
How much can I finance?
Loan amounts vary based on your creditworthiness, income, and the asset being financed. Pre-qualifying gives you a clear picture of your financing options and the amount you're approved for — no obligation.
Will applying affect my credit score?
Pre-qualification is a soft inquiry and does NOT impact your credit score. Only when you move forward with a formal application will a hard inquiry be performed.
How long does pre-qualification take?
Two minutes online or in person. Decision typically returns within minutes.
Can I finance a used boat through Sheffield?
Yes — Sheffield finances new and pre-owned boats, plus engine repowers. Each is evaluated based on the asset and your credit profile.
What documents do I need to apply?
Standard items: government ID, proof of income (pay stubs or tax returns for self-employed), and basic asset/debt information. We'll walk you through the full list at pre-qualification.
Disclosure: Financing is provided by Sheffield Financial Company, a Truist subsidiary. Terry's Marine Service is not a lender. Actual rates, terms, and conditions are subject to credit approval and vary based on creditworthiness, loan term, and vehicle type. Rate examples shown do not represent actual offers. Contact Sheffield Financial or Terry's Marine Service for complete details and terms.
Dealer #54998