Boat Buying & Ownership FAQs: What Wisconsin Boat Buyers Ask Most

Buying, owning, and maintaining a boat comes with a lot of questions — especially in Wisconsin, where seasons, water conditions, and storage all play a role. Below are answers to the most common questions we hear at Lakeside Marina from customers boating on Lake Winnebago, the Fox River, and beyond.

1. Should I buy a boat in winter or wait until spring?

Buying in winter often gives you more selection and time to make the right decision without pressure. Inventory is available, trade-ins are easier to coordinate, and your boat is ready when boating season arrives.

2. Do boat dealers offer financing?

Yes. Most full-service boat dealerships, including Lakeside Marina, offer financing options for both new and used boats through marine lending partners.

3. Is financing different for new vs. used boats?

Typically, yes. New boats often qualify for longer terms and lower interest rates, while used boat financing depends more on age, condition, and loan amount.

4. What credit score is needed to finance a boat?

Approval varies by lender, but many buyers qualify with a mid-to-upper credit score range. Marine lenders consider income, credit history, and loan structure — not just a single number.

5. Can I trade in my current boat?

Yes. Trading in your boat can reduce sales tax exposure and simplify the buying process. Lakeside Marina will evaluate condition, market demand, and age to determine trade value.

6. Do I need to buy a boat locally?

Buying locally has advantages, including easier service access, warranty support, and a dealership that understands local water conditions like Lake Winnebago and the Fox River.

7. What’s the difference between a pontoon and a tritoon?

A pontoon typically has two tubes and is ideal for relaxed cruising and family outings. A tritoon adds a third tube for improved performance, handling, and capacity — especially helpful on larger or rougher water.

8. What type of boat is best for Lake Winnebago?

Lake Winnebago can get choppy, so boats with solid hull design, good freeboard, and stable layouts — such as bowriders, tritoons, and certain center consoles — tend to perform well. Chaparral, Godfrey, Tidewater, and Recon are all great choices for our local Fox Valley waterways.

9. Are new boats more reliable than used boats?

New boats come with manufacturer warranties and the latest features, while quality used boats can offer strong value when properly inspected and serviced.

10. Can I service a boat I didn’t buy at your marina?

Yes. Most service departments, including Lakeside Marina’s, work on boats regardless of where they were purchased, depending on brand and condition.

11. How often does a boat need maintenance?

Routine maintenance is typically annual, with additional checks based on engine hours, usage, and storage conditions. Regular service helps prevent costly repairs.

12. What brands do you service?

Service departments usually specialize in certain engine and boat brands, but many can handle a wide range of popular manufacturers. It’s always best to ask before scheduling. Lakeside Marina is a certified Mercury and Volvo Penta service center.

13. Do boats need to be winterized in Wisconsin?

Yes. Winterization protects engines, plumbing, and systems from freezing temperatures and is essential for long-term reliability.

14. Should I store my boat indoors or outdoors?

Indoor storage offers maximum protection from weather, while outdoor storage is more affordable. Both options work when boats are properly winterized and covered.

15. How long does winter storage last?

Winter storage typically runs from fall haul-out through spring launch, depending on weather and boating conditions.

16. Do boat prices change throughout the year?

Pricing can vary based on season, inventory availability, model year, and market demand. Off-season shopping often provides more flexibility.

17. Why don’t all boats show the same price online?

Pricing can depend on options, condition, manufacturer pricing policies, and market factors. Some listings encourage buyers to request details for the most accurate information. In other cases, such as certain Chaparral boat models, the manufacturer has an 'internet pricing policy' that only allows dealers to show the MSRP (manufacturer suggested retail price) rather than the retail or sale price. It's always best to reach out to find the current pricing for any boat.

18. Is it better to buy new or pre-owned?

That depends on your priorities. New boats offer warranties and customization, while pre-owned boats can provide strong value with lower upfront cost.

19. How long does the boat buying process take?

From selection to delivery, the process can take anywhere from a few days to several weeks, depending on financing, inspections, and preparation.

20. Why work with a full-service marina?

A full-service marina provides sales, service, parts, storage, and long-term support in one place — making ownership simpler and more enjoyable.