BOAT ANSWER MAN

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The BOAT ANSWER MAN.NET

Here is some financing information for you to consider before making a final decision about financing your new or used boat.

Check with each lender and compare not only their rates but the fees to process the loan. Most lenders will be forthcoming with the information but there are some ready to take advantage of the inexperienced. They hid their fees as other charges and you could receive a bill long after the loan has been processed.

Beware of a rate that sounds too wonderful to be true, it probably is a 'buy-down' or a home equity. Why gamble with your home for what is considered a luxury item? Neither one is recommended. You will wind up 'up-side down' with your boat. There is no free money, if you find an interest rate less than prime, the true cost is hidden somewhere and you'll pay for it one way or another! Put down as much down payment as you can afford, take as short a term as possible and most important make sure the boat you are purchasing is worth what you are going to pay.  The bank looks at the book value which may be very different than the selling price. Don't fall in love with and purchase a boat that is not with-in your means.

For answers to other financing questions call 1-877-784-3861