Marine leasing · Boat loans
There are two ways to finance a boat in Spain: marine leasing (lease purchase with a buy-out option) and a fixed-rate boat loan.
SYS Finance, a broker registered with the Bank of Spain, submits one application to several lenders and gives you an answer within 48 hours.
Work out your monthly payment
OPTIONS
Designed for new boats flying the Spanish flag. You pay a deposit of between 20% and 50%, fixed-rate monthly instalments over 4 to 15 years and, at the end, the boat passes into your name for an amount fixed from day one. It covers vessels on the Spanish 6th and 7th registration lists and lets you transfer the contract to a third party if you sell the boat before the end.
The boat is yours from the moment you sign, whether new or pre-owned (the age of the vessel plus the term cannot exceed 35 years). Minimum deposit of 20%, a fixed-rate term of 4 to 15 years and the option of a higher final instalment to reduce your monthly payments.
You don’t have to choose blindly: we analyse your case (private use or charter, new or pre-owned, resident or non-resident) and recommend the option with the best tax and financial terms.
WHY A BROKER
Working with SYS Finance means no more trailing from bank to bank. We present your deal to our finance partners (CGI Finance, SGB Finance, Lizmer Finance, Cofidis and Abanca) and negotiate the terms on your behalf. SYS Finance has financed more than 5,000 boats worth over 500 million euros, including non-resident clients with a NIE and tax residence in Spain, Portugal, France, Italy, Germany, Belgium, the United Kingdom or the Netherlands.
PROCESS
Tell us about your project
Send the online application with the boat details and your financial situation.
We study your deal
We compare terms across our partner lenders and pick the best one.
Answer within 48 hours
You receive a clear proposal: option, term, deposit and instalment.
Sign and set sail
We coordinate signing with the lender and the dealer or shipyard. You just focus on sailing.
FAQ
The minimum deposit is 20% of the price and terms run from 4 to 15 years, always at a fixed rate. With marine leasing the deposit sits between 20% and 50%.
Yes, with a boat loan. The only condition is that the age of the boat plus the finance term must not exceed 35 years.
Yes. You need a Spanish NIE and tax residence in Spain, Portugal, France, Italy, Germany, Belgium, the United Kingdom or the Netherlands.
With a single application we compare several specialist lenders and negotiate for you. Marine leasing also lets you fly the Spanish flag, with its associated advantages.
Tell us about your project and get an answer within 48 hours.
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