I am trying to finance a 2007 baja islander 202. My bank who I have been with for 7 years wants 20% down and will only finance it for 2 Tera. If my math is correct that around 900 per moth. Seems way steep for a 20' baja. Please help with any suggestions. I really want this boat and it's in mint condition. Any suggestions with who I can finance with will be greatly appreciated.

Your going to have to look local. 20% is normal but most "marine" lenders are hitting $50K or more....and still requiring 20% and a survey, etc.