Credit union

I just used Essex....boy they aren't the Essex of days past. I guess that's par for the course when the whole financial scene is shaky, and you sell out to "big business". You 'll jump through a lot of hoops (Google your rep for a real shocker), but they can do back to the 80's if the survey shows the value. It will cost a half percent and 20% down, but at least the money's actually available if you have top tier credit.

Jason Fox at Coastal Financial.

616.494.2628

other than home equity, or credit union...be prepared to bend over and experience some exceptionally high interest rates. IMO anything over 7-8% is too much for a hobby.

as others have mentioned id never finance a boat. but that's just me

Left my cash in the bank, used " bank of the west" got 4.9 for 20 years, took a few weeks to close with all the required paperwork, surveys, etc. but overall not a bad experience. Very easy online app, approved right away

I used bank of the west. Took a day with 4.9. If Essex really is 4.12 May go for a refi

Essex is Bank of the West's cranky minion.

Essex

I have a buddy that is a boat dealer, so he sells and finances lots of boats. He's told me that it's Really hard to get anything older than 10 years old financed. And if you can get it you are looking at higher rates.

GE credit union will finance any age. 110% of low NADA. lowest rate is 4.9%