I don't feel like it's my job to classify my boat to a lender (or insurance company for that matter). They have all the serial numbers, Hull ID, etc. They should set their own policies on what they will lend on or insure and for how much. If they don't know any better they should be in the business.

I have 6%.

Actually, then I have a fiberglass TRI-toon dcb
:party-smiley-004: It does have seating for 10 :)

Who is that through, 6% would be great and at that rate I could reduce the years.

Same for you Baja,

If you guys don't mind.

Mine is with Commerce Bank in KC, Missouri. 1-800-440-9827 went thru a Fountain dealer at the lake, not sure if they had any pull or not.

Mine is a 15 yr through Us bank.

Thanks I'll get a hold of them next week and see.

I see all you v-hull guys have finance deals. Is it just cats they do not want to loan on? Are being discriminated against?

Not sure about the loan part for a cat but you are being discriminated against when it comes to insurance.:drink:

If I remember correctly US Bank would do up to 15 yrs and 90% of NADA. Can be tricky. Some loan depertments will not take trailers, options and engine upgrades into account. I put almost 40% down and had to have it documented. I've also had 4 boat loans with them over the last 12 years. I think that helps me too. I went with 15 yr because I know I will not keep it that long and rates weren't but 1% better for a 5 yr term.

Dan,
there is quite a difference between my "cruiser" and your rocket.:drink:

My bank doesn't do boat loans anymore. A couple of years ago I could get anything I wanted on my good credit and signature. Those days are gone.