new or used boat which is easier to finanance

If your main questin is “which is easier to get financed?” — usually a new boat.

• New boat: Generally easier underwriting, clearer value, fewer documentation issues, and often better loan terms. SSterling Associates+1

• Used boat: Still very financeable, but the lender may care about the boat's age, condition, market value, survey, title, and maintenance history. Older boats can have fewer lender options. SSterling Associates+1

• 3–7-year-old used boat: Often a very good middle ground—less expensive than new while still being relatively easy to finance if it's in good condition. MMarina Finds

If you're in Florida

Current Florida financing guidance suggests boat loans commonly run 7–20 years, with down payments often around 10–30%, depending on the boat, loan amount, credit, and lender. BBoat Trader

My recommendation: If you have good credit and you're trying to get the easiest approval with the best combination of rate + term, look at a new boat or a lightly used boat (roughly 1–5 years old).

If you tell me your credit score, budget (e.g. $50k/$100k), down payment, and the type/size of boat you're considering, I can tell you which route is likely to be easiest and what monthly payment to expect.