Together RIB Finance - Rate Summary
| Criteria | Together - RIBs & Sports Boats |
|---|---|
| Rate range (APR) | 8.5% – 14.5% |
| Max loan term | 7 years |
| Max LTV | 70% |
| Minimum loan | £10,000 |
| Finance type | Hire Purchase (HP) |
| Early repayment | Permitted (ERC may apply) |
| Asset types | RIBs, inflatable craft, sports & speedboats |
| Borrower types | Private individuals, sole traders, limited companies |
| Rate updated | October 2026 |
About Together RIB & Sports Boat Finance
Together Financial Services occupies a distinctive space in the RIB and sports boat finance market as a lender whose principal strength lies in flexibility rather than headline rates. Starting from 8.5% APR, Together's rates are higher than institutional lenders - but their willingness to engage with borrowers, situations, and asset types that most lenders decline makes them an important part of any comprehensive market search.
Together is particularly valuable for borrowers with recent adverse credit history, those in the early stages of self-employment, or buyers of older or non-standard craft where mainstream lenders will not engage. Their 70% LTV and 7-year maximum term reflect a more conservative approach to asset risk, but their underwriting mindset is the most open on our panel. For buyers who have been declined elsewhere or who are working with a complexity that standard lenders can't accommodate, Together is often the solution.
Together - What Works Well
- Most flexible underwriting approach on our panel
- Will consider recent adverse credit history
- Open to non-standard RIB types and configurations
- No rigid automated scoring - case-by-case human assessment
- Established specialist lender with FCA regulated status
Together - Points to Consider
- Higher entry rate at 8.5% APR
- Upper rate band at 14.5% - significant for weaker profiles
- 70% LTV - higher deposit requirement
- 7-year maximum term - shorter than some competitors
- £10,000 minimum - not for smaller purchases
How Does Together Compare?
| Lender | Rate from | Max Term | Max LTV | Min Loan |
|---|---|---|---|---|
| Close Brothers | 6.5% APR | 10yr | 80% | £5,000 |
| Black Horse | 6.9% APR | 10yr | 80% | £5,000 |
| Lombard | 6.8% APR | 7yr | 75% | £10,000 |
| Barclays | 7.2% APR | 7yr | 75% | £10,000 |
| Pegasus | 7.5% APR | 15yr | 85% | £3,000 |
| United Trust | 7.8% APR | 10yr | 75% | £10,000 |
| Shawbrook | 8.2% APR | 7yr | 70% | £10,000 |
| Aldermore | 8.2% APR | 7yr | 70% | £10,000 |
| Together | 8.5% APR | 7yr | 70% | £10,000 |
| Rankin | 9.2% APR | 15yr | 85% | £3,000 |
Highlighted row: Together. All rates indicative for October 2026. Actual rate depends on applicant profile, LTV, and loan term.