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We're not just Bankers...We're Boaters too and We care!

RATES AS LOW AS 6.37%

Whether cruising the Chesapeake on board the “Sterling Lady” with our golden retriever or sailing in the crystal clear waters of the Islands, the owners of Sterling Acceptance enjoy the boating life style.

Sterling Acceptance was founded in 1987 by avid boaters as well as banking experts. We have assembled a team of Marine and RV loan experts specializing in marine lending, loan underwriting, US Coast Guard Documentation, state titling and yacht insurance. Underwriting is our expertise, as our underwriters each have 40 to 45 years of experience. With this, the response turn-around time is exceptional. None of our competitors can offer the combination of banking credentials and industry experience that you will receive while working with our team at Sterling Acceptance Corporation!

We offer a wide variety of Boat and RV loan programs at competitive rates and terms. We will act as your intermediary to get you the best rate possible with a range of financial institutions we have established relationships with. We also offer US Coast Guard Documentation work, State Titling services, and Yacht Insurance, all done in-house at our corporate headquarters. We are a One Stop Shop! These services are available to you whether you wish to finance your boat purchase through Sterling Acceptance, or are paying cash for the boat. We are proud to offer services on a nationwide level. Our team can be found throughtout the United States and are ready to assist you. Don't delay, call today!

Look for us at these upcoming 2025 Boat Shows:

New England Boat Show: Boston Convention Center, Boston, MA ~ January 8-12, 2025 ~ Booth TBD
Stuart Boat Show: Staurt, FL ~ January 10-12, 2025 ~ Booth TBD
Palm Beach International Boat Show: West Palm Beach, FL ~ March 19-23, 2025 ~ Waterfron Booth 927
Bay Bridge Boat Show: Bay Bridge Marina, Stevensville, MD ~ April 11-13, 2025 ~ Booth F35
Annapolis Spring Sailboat Show: City Dock, Annapolis MD ~ April 25-27, 2025 ~ Booth B24

"I reached out to several companies and Sterling was the most accommodating with the best rates and terms. This is my fourth boat and the best experience I've had obtaining a loan."

"I reached out to several companies and Sterling was the most accommodating with the best rates and terms. This is my fourth boat and the best experience I've had obtaining a loan."

~JB
I appreciate all the work Mary Ann did for me especially concerning the tight schedule I was working on. She met all of my needs and the process was seamless. Thank you for everything.
I appreciate all the work Mary Ann did for me especially concerning the tight schedule I was working on. She met all of my needs and the process was seamless. Thank you for everything.

~LS
It is so refreshing to work with a company that is organized, professional and expeditious! I would not hesitate to use them again for our next boat purchase. Friendly, kind and the type of people you feel good about giving your business to. If you are looking for a boat or RV loan- these guys should be at the top of your list! Such a smooth process!
It is so refreshing to work with a company that is organized, professional and expeditious! I would not hesitate to use them again for our next boat purchase. Friendly, kind and the type of people you feel good about giving your business to. If you are looking for a boat or RV loan- these guys should be at the top of your list! Such a smooth process!

~JP
Sterling Acceptance Corporation was exceptional throughout the entire loan process. Kate Hamill was incredibly responsive to my emails, texts, and phone calls to get our deal done. SAC's team was able to surpass their competitors with securing a phenomenal rate while simultaneously providing superior customer service. I highly recommend SAC for anyone interested in finding a true partner and 'easy button' solution for their next boat loan.
Sterling Acceptance Corporation was exceptional throughout the entire loan process. Kate Hamill was incredibly responsive to my emails, texts, and phone calls to get our deal done. SAC's team was able to surpass their competitors with securing a phenomenal rate while simultaneously providing superior customer service. I highly recommend SAC for anyone interested in finding a true partner and 'easy button' solution for their next boat loan.

~KB
This company was very attentive to our goal and especially the timeline of our purchase. They were responsive, kept us informed, stayed in touch with sellers as much as us, the buyers. Explained the process before and during the entire purchasing experience. We would highly recommend this business for personal attention and professional responsibility. They were a breath of fresh air in our purchase experience!
This company was very attentive to our goal and especially the timeline of our purchase. They were responsive, kept us informed, stayed in touch with sellers as much as us, the buyers. Explained the process before and during the entire purchasing experience. We would highly recommend this business for personal attention and professional responsibility. They were a breath of fresh air in our purchase experience!

~WF
I highly recommend Sterling Acceptance Corp. I have worked with them on two boat loans. Both times, they made it easy, were always available (day or night) for a call to answer my questions, and really worked to find me the best possible loan. I wont ever work with anyone else!
I highly recommend Sterling Acceptance Corp. I have worked with them on two boat loans. Both times, they made it easy, were always available (day or night) for a call to answer my questions, and really worked to find me the best possible loan. I wont ever work with anyone else!

~JT
We had an excellent experience with Sterling Acceptance Corp. The loan process was very easy and the professionals were extremely supportive. I highly recommend them if you need a boat loan.
We had an excellent experience with Sterling Acceptance Corp. The loan process was very easy and the professionals were extremely supportive. I highly recommend them if you need a boat loan.

~CB
We used Sterling for two boat loans and closings. They made the process simple and very streamlined. Sterling excels at finding the best rates and gettting all paperwork taken care of quickly and efficiently. Dave was also able to find us much better boat insurance coverage and rates than we currently had. We would 100% recommend Sterling for any boat loan.
We used Sterling for two boat loans and closings. They made the process simple and very streamlined. Sterling excels at finding the best rates and gettting all paperwork taken care of quickly and efficiently. Dave was also able to find us much better boat insurance coverage and rates than we currently had. We would 100% recommend Sterling for any boat loan.

~RB