Is It Time to Replace That Old Outboard? This Makes It Affordable.
Is this you???
Your 1990s Mercury fires up… eventually. After three cranks, some swearing, and crossing your fingers. It gets you on the water, but you’re always wondering: “Is this the weekend it leaves me stranded?”
Here’s what just changed: Mercury Marine is offering 4.99% financing through March 31, 2026 – the lowest rate we’ve seen in 3 years. Combined with their Precision Rigging Program and Get 7 warranty promotion, this might be the best repower opportunity in a long time.
After 40+ years of helping Kansas City boaters make this decision, we’ll break down when a repower makes sense, what 4.99% actually means for your wallet, and how to maximize all three Mercury promotions.
The Deal
What’s Offered:
- 4.99% APR financing on new Mercury outboards (through Sheffield Financial)
- Ends March 31, 2026 – less than 6 weeks away
- Exclusive to Mercury Authorized Dealers (like US Boatworks)
Can Combine With:
- Precision Rigging Program (professional installation package)
- Get 7 Promotion (7-year warranty on select models)
Best For:
- Outboards 15+ years old
- Annual repair costs over $1,000
- Major failures (powerhead, lower unit)
- Evinrude/OMC owners facing parts scarcity
Should You Repower? The Honest Math
When It Makes Financial Sense
Consider Repowering If:
✓ Engine is 15+ years old – Technology gap is huge. Modern 4-strokes get 25-30% better fuel economy and break down far less frequently.
✓ Spending $1,000+ annually in repairs – That’s $5,000 over 5 years on a declining asset. That’s repower money, just in painful $500 increments.
✓ Had a major failure – Powerhead rebuild ($3,500-$5,000) or lower unit replacement ($1,500-$2,500) costs approach 50% of a repower.
✓ Planning to keep boat 5+ years – Spreading the cost over time with financing makes sense. Plus 3-7 year warranty coverage.
Keep Repairing If:
- Engine under 10 years with low hours
- Only minor maintenance (under $500/year)
- Selling boat within 2 years
Pro Tip: We see boaters spend $3,000-$4,000 over 2-3 years keeping old engines alive, then catastrophic failure anyway. That’s repower money already spent.
What 4.99% Financing Actually Costs
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- Total installed: ~$17,000
- 60 months @ 4.99%: $285/month
- Shop Mercury 115HP outboards
Mercury 150HP V6 (Family Boats/Pontoons)
- Total installed: ~$22,000
- 60 months @ 4.99%: $355/month
- Shop Mercury 150HP outboards
Mercury 200HP V6 (Larger Boats/Performance)
- Total installed: ~$28,000
- 60 months @ 4.99%: $465/month
- Shop Mercury 200HP outboards
Double Stack: Combining Both Promotions
Maximum Value Strategy
Promotion #1: 4.99% Financing
- Low monthly payments
- Saves $1,920-$9,000 in interest vs other options
Promotion #2: Get 7 Warranty
- 7-year factory warranty (select models)
- Standard is 3 years = 4 extra years for a small fee
- Value: $800-$1,200
Combined Example:
New Mercury 150HP $18,500 approx. Interest savings (4.99% vs 8%) +$1,920 Get 7 warranty value +$1,000 ────────────────────────────────────────── Total value/savings: $2,920
How the Process Works
From Decision to Water (2 Weeks)
Step 1: Free Consultation
- Call or come in so we can assess your current engine and get you in the right motor the first time
Step 2: Financing Application
- Apply at Sheffield Financial (same-day decision typically)
- Online pre-qual first
- Next, Complete full application
- Stop by to sign paperwork
Step 3: Order & Delivery
- Motor is ordered and delivered to us: 2-4 days
- Financing wrap up 5-7 days
- Complete Install -2-4 days
Common Questions
Q: Will a new Mercury fit my old boat?
A: Usually yes. We’ve installed new Mercury outboards on boats from the 1980s through today. Proper rigging ensures compatibility.
Q: What happens to my old engine?
A: For maximum proceeds, sell your motor to another individual, often times, Facebook Marektplace is used.
We do take some trades and can give you and estimate when you call us.
Q: Can I get approved for 4.99%?
A: Generally requires 680+ credit score. Even if you don’t qualify for promotional rate, other rates available.
Q: Should I wait until fall?
A: No. This 4.99% promotion ends March 31. You might not see this rate again for years. Repower now, enjoy it all season.
Why US Boatworks for Your Repower
Best Prices + Amazing Service
- Our motors are priced at deep discounts to serve you
- Compare our prices to the “Big Guys” & discover savings
Factory-Trained & Mercury Certified
- Mercury-certified technicians
- Precision Rigging Program specialists
- 100+ repowers annually
Complete Service
- Free consultation (honest assessment)
- Professional installation
- Warranty registration
40+ Years in Kansas City
- Family-owned since 1985
- We know your lakes: Smithville, Perry, Truman, Ozarks
- Parts in stock, no waiting
- Motors not in stock arrive in 2-3 days
