Buying An Aluminum Boat: What You Need To Know

Aluminum fishing boats are popular for their moderate draft and average beam, making them suitable for both freshwater and saltwater fishing. They are more affordable than fiberglass boats and are often much lighter in comparison. These boats are easy to trailer and launch and are also more durable, withstanding damage more effectively. Maintenance is simple, requiring just a quick rinse and scrub after use.

When buying an aluminum fishing boat, it's important to consider factors such as size, price, and specific features that match your fishing needs. Different brands offer various models with unique characteristics, so it's essential to explore the options available in the market.

Where to buy an aluminum boat

When it comes to purchasing an aluminum boat, there are several options available to you. You can either buy a new or a used boat, and there are numerous dealers and manufacturers to choose from. Here is a list of some of the top places to buy an aluminum boat:

Boat Trader

Boat Trader is an online platform that offers a wide range of aluminum fishing boats from different brands. They have a large inventory of both new and used boats, with prices ranging from $3,675 to $292,943. You can filter your search by distance, length, and price to find the perfect boat that fits your needs and budget.

Lowe Boats

Lowe Boats is a well-known manufacturer and dealer of aluminum boats, including fishing boats, pontoon boats, and jon boats. They offer a variety of models in different series, such as the Stinger Series, Fishing Machine Series, and Roughneck Series. You can use their website to compare different models, build and price your own boat, and locate a dealer near you.

Tracker Boats

Tracker Boats is another popular option for purchasing aluminum fishing boats. They have been in the industry for over 40 years and offer a range of models, including the Bass Tracker Classic, Pro Team, and Grizzly series. Their website allows you to build and customize your boat, and they also provide special financing options and industry-leading warranties.

Crestliner

Crestliner is a boat manufacturer that offers a range of aluminum fishing boats. They have various models, such as the Raptor, Commander Elite, and Discovery Tiller. You can explore their current models and locate a dealer through their website.

Local Dealers

In addition to purchasing directly from manufacturers, you can also buy aluminum boats from local dealers and boat centers. These dealers often carry a range of brands and models, and they can provide you with personalized assistance and support throughout the buying process.

When deciding where to buy your aluminum boat, it is essential to consider your specific needs, budget, and preferences. Compare different options, read reviews, and don't hesitate to contact the dealers or manufacturers for more information.

How to compare prices

When comparing prices for aluminum boats, it is important to consider the various features and options available, as well as the overall value offered by different manufacturers and models. Here are some key factors to keep in mind when comparing prices:

• Boat Type and Intended Use: Aluminum boats can vary in type, including bass boats, bay boats, crappie boats, hunting boats, and jon boats. Consider the intended use of the boat, such as freshwater or saltwater fishing, multi-species fishing, family outings, or water sports. Choose a boat type that aligns with your specific needs to ensure you're getting the best value for your intended activities.
• Size and Capacity: Aluminum boats come in different sizes, typically ranging from 14 to 28 feet in length. Consider how many people you plan to accommodate and choose a boat with a suitable passenger capacity. Additionally, think about the amount of storage space you require for fishing gear, water sports equipment, or other belongings.
• Performance and Features: Pay close attention to the performance characteristics and features offered by different aluminum boats. This includes factors such as hull design (modified vee, deep vee, flat, pontoon, or monohull), engine power and type (outboard, inboard, etc.), fuel system, livewells, rod storage, casting space, and comfort features. Compare these features across different models to gauge their value for the price.
• Price Range: Aluminum fishing boats can vary significantly in price, from a few thousand dollars to over $200,000. It's important to set a budget and compare boats within your price range. However, keep in mind that the cheapest option may not offer the best value in terms of features, performance, and durability.
• Reputation and Warranty: Consider the reputation and warranty offered by the manufacturer. Established brands like Tracker, Ranger, Lund, Lowe, and Crestliner have built a positive reputation in the industry. A comprehensive warranty can provide peace of mind and reduce long-term maintenance costs.
• Customization and Add-ons: Some manufacturers allow you to customize your boat by choosing specific features, colors, electronics, and other options. While this can enhance your boating experience, it may also increase the final price. Carefully consider the additional costs associated with any customizations or add-ons.
• Dealer and Location: Prices can vary depending on your location and the dealer you choose. Compare prices from different dealers and authorized retailers to find the best deal. Additionally, consider the availability of local dealerships for maintenance and support.
• Special Offers and Rebates: Keep an eye out for special offers, rebates, or promotions that can reduce the final price. Some manufacturers or dealers may offer discounts, financing options, or rebates that can make the purchase more affordable.

By carefully considering these factors and comparing prices from multiple sources, you can make an informed decision when purchasing an aluminum boat, ensuring you get the best value for your money.

How to choose the right size

Choosing the right size of the boat depends on several factors, including the purpose of the boat, the number of passengers, and the type of water body.

If you are looking for an aluminum fishing boat, consider the size of the boat relative to the water body you will be using it in. For larger bodies of water, a bigger boat with a deep-V hull design may be more suitable, as it can handle rough waters and provide more stability. On the other hand, if you plan to use the boat in smaller lakes or shallow waters, opt for a smaller boat with a modified-V or flat hull, which can navigate through tight spaces and shallow depths.

The number of passengers you plan to accommodate is another crucial factor in determining the right size. Aluminum fishing boats typically range from 14 to 28 feet in length and can hold between 6 to 14 passengers. If you intend to fish with a small group of friends or family, a smaller boat in the range of 14 to 18 feet may suffice. However, if you plan to host larger groups or need ample space for fishing gear and supplies, consider a boat that is 20 feet or longer.

Additionally, consider the amount of storage space you will need for your fishing equipment and other belongings. If you require ample storage for rods, tackle, and livewells, opt for a boat with dedicated storage compartments and larger dimensions.

When deciding on the size of your aluminum boat, it is essential to consider your intended use, the number of passengers, and the specific features you require to ensure a safe and enjoyable experience on the water.

How to select the right dealer

When it comes to choosing the right dealer for your aluminum boat, there are several factors to consider. Here are some guidelines to help you make an informed decision:

• Reputation and Experience: Look for dealers with a strong reputation and extensive experience in the aluminum boat industry. They should have a track record of satisfied customers and be known for selling high-quality boats.
• Authorized Dealers: Ensure that the dealer is authorized to sell the brand of aluminum boat you are interested in. This ensures that they have met the manufacturer's standards and are offering genuine products.
• Variety of Options: Choose a dealer that offers a wide range of aluminum boat models from different manufacturers. This will allow you to compare various options and find the boat that best suits your needs.
• Customization Options: If you want to customize your aluminum boat, select a dealer that provides customization services. This could include adding special features, colors, or accessories to make your boat unique to your preferences.
• After-Sales Support: Consider the dealer's after-sales support and warranty services. Choose a dealer that offers assistance with maintenance, repairs, and provides easy access to replacement parts if needed.
• Location and Convenience: Opt for a dealer that is conveniently located near you. This will make it easier to visit the dealership, test out different boats, and access their services without having to travel long distances.
• Customer Service: Select a dealer that prioritizes customer satisfaction. They should be responsive to your inquiries, provide clear and transparent information, and make the boat-buying process as smooth and enjoyable as possible.
• Financing Options: If you require financing for your purchase, look for dealers who offer competitive financing options or partnerships with financial institutions. This can make the buying process more accessible and affordable.
• Reviews and Testimonials: Check online reviews and testimonials from previous customers to gain insights into their experiences with the dealer. This can give you an idea of the dealer's reliability, customer service, and overall satisfaction levels.
• Comparison and Pricing: Compare prices and offerings from multiple dealers before making a decision. This will help you understand the market value of the boat you're interested in and ensure that you are getting a fair deal.

By considering these factors, you can make an informed decision when selecting the right dealer for your aluminum boat purchase. Remember to do your research, read reviews, and don't hesitate to ask the dealer questions to ensure you are making the best choice for your needs.

How to finance your purchase

How to Finance Your Aluminum Boat Purchase

Check your credit score

Your credit score is an important factor in determining your eligibility for a boat loan and the interest rate you will be offered. A higher credit score will generally result in a lower interest rate and more favourable repayment terms. If your credit score is less than good, you may want to consider an unsecured personal loan to finance your boat.

Calculate how much you need to borrow

Use a boat loan calculator to estimate how much your monthly payments will be based on the potential loan term and interest rates available to you. Consider the additional costs of boat ownership, such as taxes, registration, insurance, and maintenance, and include these in the total loan amount if you do not plan to pay them in cash.

Gather the required documentation

To ensure a smooth loan process, have copies of important financial documents readily available, such as tax returns, pay stubs, brokerage account statements, and proof of residence. For a secured boat loan, your lender may also require information about the boat, such as a marine survey report.

Prequalify and compare lenders

Look for lenders that offer prequalification for boat loans, as this will allow you to compare potential offers without a hard inquiry on your credit report. Consider at least three lenders and ask about both secured and unsecured loan options, as the rates and terms may differ significantly.

Submit a full application

After choosing a lender, you will typically complete the application process online. The lender will perform a hard credit check and may request additional documentation before finalising your loan. Funds may be directly deposited into your bank account or sent to the lender, depending on the type of loan.

Alternative financing options

If you have sufficient funds, paying cash for your aluminum boat may be the most cost-effective option, as you will avoid interest charges and loan fees. Alternatively, if you own a home, you may consider a home equity loan or a second mortgage to finance your boat purchase. These options often offer more favourable interest rates than a traditional boat loan, but keep in mind that you are putting your home at risk as collateral.

Frequently asked questions