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Boat Financing

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Old 09-22-2003, 05:24 PM
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Default Boat Financing

Who is the lender for used boats when buying from an individual? Best interest, etc.

I'm just trying to avoid the big taxes from a dealer.
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Old 09-22-2003, 05:34 PM
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the only way you get away from paying the taxes, is buy in cash. when you use a bank they get you too. i just went through it. or they get you in whatever state you reg it in. if you have a note on the boat they have to reg it. so they have to do the right thing. good luck
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Old 09-22-2003, 05:39 PM
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I guess there is an advantage to living in Arizona. If you buy from an individual (car, truck, boat, etc.) in the state of Arizona you are not charged sales tax. It doesn't matter if you pay cash or go through the bank. That is the main reason I try to buy through individuals when possible. It's quite a savings sometimes.
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Old 09-22-2003, 05:57 PM
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Check with Ganis Credit in CA. I hear there pretty good.
I always reg my boats in AZ when I lived in CA and NV. Saved a ton of money !!!! Plus trailers or 1 time reg then no more. Still have my boat sittin on a AZ trailer and I live in FL now.
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Old 09-22-2003, 07:03 PM
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You need to check your state laws. This is not a case of blanket taxes.

In my state, Arkansas, you don't pay on penny sales tax on a used boat regardless of where you buy it from or how you buy it. I bought my boat from out of state and didn't pay any sales tax on it. Just licensing fees. I think it cost me around $50 for a 3 years tag boat and trailer together.

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Old 09-22-2003, 11:51 PM
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Thanks DanB

I'll give Ganis a call tomorrow.
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