★★★★★
“Lee called me back the same morning. Got me a rate half a point under what my credit union quoted on a 20-year Bennington note. Saved me about $4,200 over the term.”
Tom M.
Get Approved.
Get Outside.
70%+
Finance
Finance
Competitive rates — beat your bank
Fast, convenient
- Partnered with top lenders nationally and locally
- Help you optimize for the lowest rate, lowest payment, longest term, or least amount down
- Beat your bank — better rates, more approvals, longer terms
★ 4.9 customer rating17× Top 100 Dealer50+ years in ND
Family · Lake
Golden Hour
Dirt Bike · Dust
Vintage Bike
ATV · Couple
Sunset Ride
Classic
Antique
Open Field
Trail Ride
Open RoadBoat payment calculator
What’s your number?
Drag to set what feels right. We’ll match inventory below.
$1,551/mo
Estimated payment for illustration only.1 Lee and Anthony will shop 15+ lenders to find your actual rate based on your application.
At $1,551/mo — here’s what’s in stock today.
Live inventory · Bismarck & Minot · Updated this morning
No matches in stock at this monthly range right now. Drag the sliders or try a different vehicle type.
Most dealers have a portal. We have a team working every file.
A team of full-time, dedicated professionals that review your application and goals to deliver the ultimate solution. When you need help, we’re available to talk directly on the phone.
A
Anthony
F&I Manager • Minot, North Dakota
“Most F&I desks blast your application to every lender at once and pick the first approval. I don’t. I match your profile to the lender most likely to fund at the best rate before we submit — saves your credit score, and saves you from offers that aren’t actually your best one.”
Experts decide the best lenders for your application
Experts negotiate the rate, term, and payment that fit your life
Experts handle the back-and-forth — you stay focused on the boat, bike, or rig
Let’s get started
The full credit application takes about 8 minutes through our secure portal. Lee or Anthony reviews your file and shops it across our 15+ lender network.
What to have ready
- Driver’s license
- Employer name and monthly income
- Trade-in details (if applicable)
- Co-applicant info (if applicable)
Prefer to talk first? Call Lee · 701-299-0172 or Anthony · 701-578-3946.
Application to adventure — it’s this simple:
01
Apply in Minutes
Secure online application — about 8 minutes of your time. Lee and Anthony review every file personally. No bot routing, no offshore call center.
02
Beat Your Bank
Lee and Anthony shop your file and come back with multiple offers — side by side. Rate, term, payment, conditions. You see what each lender offered. You pick the one that fits.
03
Pick Your Ride & Go
Once approved, we’ll set a time for you to sign, do a final walk-through of the vehicle, then you’re out on the water, road, field or trail — same day in most cases.
The people who’ll actually work your file.
Two locations. Two F&I managers. When you call the Bismarck or Minot store, you’re talking to one of these two — not a call center, not an offshore team, not a chatbot.
Lee
F&I Manager · Bismarck
Vallely Sport & Marine
“I’ve structured deals for everyone from a first-time buyer to a guy buying his fourth Bennington. The conversation should start with what you can comfortably afford — not what we can sell you.”
Anthony
F&I Manager · Minot
Vallely Sport & Marine
“A lot of our Minot customers are AFB families and area farmers. I know which lenders work best for military, what the BAH math looks like, and how to time SxS purchases around calving season.”
Beat your bank – save money. Longer terms available. More lenders.
Your bank can give you one rate. Your credit union can give you one rate. We have 15+ options available and are able to present the best overall option. No callbacks, no chasing paperwork to three different branches, no wondering if you left money on the table.
- 15+ lender network — national specialty lenders, regional banks, and four North Dakota credit unions in one application.
- Same-day decisions on most applications — Lee and Anthony work your file directly, not a queue at a call center.
- Programs across the credit spectrum — from prime buyers to those rebuilding credit, with terms that fit each.
- Trade-in, payoff, and cross-collateral structuring — we package the whole deal, not just the loan.
15+
Banks, credit unions, and specialty lenders shopped on every deal
We work with national lenders, regional banks, and four North Dakota credit unions to match each buyer with the right program. Rates and terms vary by creditworthiness, vehicle type, and amount financed — your F&I manager will walk you through every option that fits your situation, not just the one that’s easiest to close.
What buyers should actually know about credit checks.
Most of what people believe about credit pulls is wrong — and dealers benefit from that confusion. We don’t. Here’s the straight version. Print it, save it, bring it to any dealer (including us).
01
"Any credit check hurts my score."
A soft pull — used for pre-qualification — has zero impact on your FICO score. It does not appear to other lenders. A hard pull happens only when you formally apply for credit and typically drops your score by about 5 points, recovering within a few months of on-time payments.
02
"Dealers have high rates."
Not at Vallely Sport & Marine. We’re partnered with local banks, credit unions, and the most competitive national lenders — which saves you money and saves you time by finding a competitive rate and approval at the terms you want. A note in fairness: this isn’t the industry norm. Many small dealerships do have higher rates because they only work with one or two lenders. Our network is what makes the difference.
03
"Pre-qualified means I'm approved."
Pre-qualification is a soft-pull estimate of what you’re likely to qualify for. Pre-approval is a stronger signal — usually backed by a hard pull and underwriter review. Final approval only happens when the lender verifies income, identity, and the specific unit being financed.
04
"My credit score is the same number everywhere."
There are dozens of FICO models. The score on Credit Karma is VantageScore 3.0 — most lenders don’t use it. Marine and powersports lenders typically use FICO Auto Score variants, which weigh prior installment-loan performance more heavily. Your “real” score is the one the lender pulls, not the one in your app.
05
"Closing old credit cards helps my score."
Usually the opposite. Closing an old card reduces your total available credit (raising your utilization ratio) and shortens your average account age. Both hurt your score. Unless there’s an annual fee, leave old cards open and use them once a year to keep them active.
06
"Hard inquiries hurt my score for years."
A hard inquiry stays visible on your credit report for 24 months, but only affects your score for about 12 months — and the impact diminishes each month. By month 6, the effect is usually negligible. By month 12, it’s gone.
07
"Checking my own credit hurts my score."
No. Self-checks are soft pulls. You can — and should — check your own credit at least annually. AnnualCreditReport.com is the federally-mandated free source for reports from all three bureaus (Equifax, Experian, TransUnion).
The most important rule no one tells you
Multiple lender applications for the same loan, in the same window — count as one inquiry.
Modern FICO algorithms (FICO 04, 08, 09, and 10T) treat multiple hard inquiries for the same loan typewithin a 14–45 day window as a single inquiry. Older FICO versions use a 14-day window. This is why F&I managers shop multiple lenders simultaneously rather than sequentially — same score impact, much better rate discovery.
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During this window — every additional hard pull from a marine or powersports lender for the same loan counts as zero additional inquiries on your score. Shop aggressively.
Free Buyer’s Guide
What North Dakotans should know before financing a boat.
A practical guide for ND, MT, and SD buyers. How down payment actually works. What rolls into your monthly besides the boat. Boat show promotional rates and manufacturer subvented financing. The North Dakota trade-in tax credit. The 15+ lenders we shop on every file — and why your loan doesn’t have to go the full term.
- What can be financed alongside your vehicle — accessories, trailer, protection products
- How much down — the real answer for boat, powersports, and motorcycle buyers
- Boat show promotional rates and manufacturer subvented financing
- Why your loan doesn’t have to go the full term — pre-pay options explained
- The North Dakota trade-in tax credit (you only pay sales tax on the difference)
- How our 15+ lender network works in your favor
Coming soon
2026 Edition
The North Dakota Boat & Powersports Financing Guide
Everything we’ve learned helping ND, MT, and SD buyers finance over 50 years.
VALLELY · 8 PAGES · PDF
The questions buyers actually ask us.
Not the marketing-team version. The real ones — pulled from what people ask Lee and Anthony at the desk.
Honest answer: most of our pontoon customers land between $450–$946/mo at 180-month terms. Use the slider above to see what the boat you’re eyeing actually costs monthly — bring that number home before the conversation, not after.
Stop wondering what it costs.
Find out in one phone call.
Lee (Bismarck) and Anthony (Minot) shop your file across our lender network. One application can save you thousands, and help you make memories that last a lifetime — with the people you love.
Don’t take our word for it. Take theirs.
★★★★★
“Anthony actually answered the phone — twice — when I called with paperwork questions. Beat my bank by .75% on a Ranger XP and had the tax write-off docs ready when I picked it up.”
Justin R.
★★★★★
“Drove down from Williston not knowing if I’d even get approved. Walked out two hours later with the boat and a payment $80 less than I expected. Lee shopped four lenders before he picked one.”
Mark A.
