Vallely Finance

Get Approved.
Get Outside.

Quick online application. No credit score impact. 15+ lending partners competing for your rate. Most decisions within 24 hours.

Apply at the location nearest you

Or call 701-258-9223

24hr

Most decisions

70%

Of buyers finance

Credit score impact

15+

Lending partners

Three Steps to Approved

From application to adventure — it's that simple.

Apply in minutes

Quick online application — no impact to your credit score. Just basic info and a few minutes of your time.

We find your rate

Our finance team shops 15+ lenders to match you with the best rate and terms. Most decisions within 24 hours.

Pick your ride & go

Once approved, shop our full inventory. Sign the paperwork, and you're on the water or trail.

Why Finance With Vallely?

We don't just hand you off to a bank. Our in-house finance team works for you — shopping multiple lenders to get the best rate, handling the paperwork, and making the process painless.

Value Your Trade

🏦

Beat Your Bank

Already have a rate? Bring it in — our buying power and lender relationships let us beat most bank offers.

🔄

Trade-Ins Welcome

Free appraisals at both locations. We apply the value directly to your purchase and roll it into financing.

📋

All Credit Welcome

From excellent credit to rebuilding — we have lending partners for every situation. No minimum score to apply.

🚤

Every Brand We Sell

Bennington, Lund, MasterCraft, Sea Ray, Yamaha, Polaris — new or pre-owned, boats or powersports.

50+

Years in business

17x

Top 100 Dealer

4.9★

Customer rating

ND locations

Common Questions

Everything you need to know about financing your next boat, ATV, or powersport vehicle.

Talk to Finance Team

We work with lenders across the credit spectrum — from excellent credit to rebuilding. There's no minimum score required to apply. Our finance team will find the best option for your situation.

Absolutely. We recommend applying before you visit so you know your budget. Pre-approval doesn't commit you to anything and helps speed up the buying process.

Terms vary by lender and purchase amount, typically ranging from 36 to 240 months depending on the product and amount financed. We'll walk you through all available options.

Yes — we finance both new and pre-owned boats, pontoons, ATVs, side-by-sides, motorcycles, and more. Rates may vary between new and used.

Yes. Adding a co-signer with strong credit can help you qualify for better rates or higher loan amounts.

A valid driver's license and basic income verification (recent pay stub or tax return). Our finance team will let you know if anything else is needed.

Ready to Get Started?

Apply online or give us a call. Our finance team is ready to help you find the best terms for your next adventure.

Or browse inventory

Get Approved.Get Outside.