My local credit union was the only institution that would finance my 1997 powerquest this year. All the other banks wanted either huge downpayments, 10 years or newer model, or once they saw performance boat, they said no way. Credit union was the best people to work with. I will do everything through them from now on.

down payments are not bad things. Depending on the size. If it were me I think every toy or vehicle should have 20-35% down payments, would keep a lot of dumb people from making stupid choices.