just refinanced through USBank... 4.5% pretty easy

I haven't had a note with Key, but the previous owner of my 46 had a a loan with them when I purchased it. From a buyer's perspective, they were very easy to deal with and were quick to send the paperwork when I paid off his loan. If I were looking for a boat loan I would at least give them a shot.

I can help with a 720+ or better credit score, 45% or less DTI and 10-20% down back to 1997.

Usaa just financed my 1997 37 Outerlimits, 4% 15 years 0% down required although I did put a bunch down to ease the payment.

Its a boat, if you're having problems financing it, your already in over your head. Remember, the easiest part is buying it

Recently got hooked up with Credit Suisse for investment management. They offer a Line of Credit against your portfolio @ Libor .15 +1.5. Im might just have to buy another toy!!!

Sell a kidney...I did that for mine...next upgrade is gonna suck though :-)

Financing for a boat? No thanks, I'll run my old school sh!t.

Don't try Bank of America- Back when I was getting the Cig they turned me down with 50% down payment. and virtually NO debt. And about 3x's the boats value in the bank. Already paid of the Baja with them too.

Told them to start making out some cashiers checks because ALL my $ was leaving their institution within 48hrs! I wish I could have gotten a pic of the mgrs expression.

My good buddy is a home town banker / loan officer. The owners of his bank take the stance that anyone who would buy a performance is irresponsible and no matter what they're worth or earn, they won't do boat loans. By virtue of buying a boat, "those type of people make bad decisions". I think the guy is just jealous.... maybe his wife told him, "no, you can't have a boat".