Try Essex Credit. And if your are a member of Costco or can become a member thay have some better incentives.

Same is happening at car dealerships. My office manager is plenty qualified and a return customer to a GM dealership for many years. She just came in last week upset as she was turned down for a loan yet NOTHING had changed in her life, only the credit market has changed.

Now driving an import....go figure.

She realizes this is Detroit, right?

WMF, there are credit unions out there doing 10% down, 15 years and they don't care if it's a performance boat. You just have to do a lot of legwork to find the right one.

Most all the CU's I see around here have sub-5% financing if you buy a domestic.

I think all the people getting denied either have crap credit, or are being "lazy" and expecting the dealer to have all the options lined up. I think the dealer should, but there are tons of CU options out there for those with good credit.

Lending at my dealership has been normal. Marginal credit doesn't get bought anymore, but if you have good credit a loan isn't a problem.