GE Credit Union, They'll do what NADA claims it is worth. Age doesn't matter to them.

looked into it, have to be a ohio resident.

I think USAA will for members but I'm not sure.

Try these guys.

Have used them twice on older, low down payment purchases.
They specialize in marine loans and have for yrs.

They understand boats which most don’t.

We used them last summer on an older Checkmate for way more than book on the boat.
Reason was a way newer, full custom trailer.

W/a very thorough description and a dozen, clear pics of the trailer.
They ended up showing near same value for trailer as boat.

Beware though, I had to do same for the lenders mandatory insurance.
Their was a delay on the insurers part so I owned the boat before it was insured.
If the insurer (Boat US) had not come through, the lender would have established insurance (had it done before) at 3 or 4 times normal rate and billed me.

Both times we used them, we chose long terms but made substantial principal payments.
Was our safety valve in case we hit a financial hurdle.

First loan had an early payoff penalty if done before 12 months.
I paid it off on month #12.
Lender called saying I owed him $285 for early payoff penalty.
Said payoff needed to be 13th month.
He did waive it.

Current loan has no early p/o penalty.
We are making Principal payments in it as well and will re-sell this summer.
Yes we will pay for this one but treating as Rental to keep the first mate happy.

BTW, Jason is a great dude to deal with.

Hope this helps.

As stated above, be careful though.
Easy way to get yourself in trouble.

I was recently chatting with a friend who works for USAA, and under the current COVID crisis and the economic impact, they are not writing boat loans for over 35K. Normally USAA will finance 100% up to 100K. I'm sure they will be back to that as the ecomomy normalizes.

Off topic for a min but amazing how times change. About 12-13 years ago after going through a divorce where I had lost a lot of "cash" but made great money still I asked this same question on a different site about 0% down when I found a boat, you would have thought I was the scum of the earth with people posting all sorts of nasty comments about me and if I didn't have the money or broke as a joke then boating shouldn't be for me . FF 12 years (and many boats owned) and I am glad to see on this site people offering options and help. Kudo's OSO gang.

I also used Jason from Coastal when I financed my boat and he was great to work with.

basically where we are at want a low payment just in case... but plan to make ~double payments and get it paid off fast. ill give them a call!

Jason was good to deal with, guy actually did what he said he was going to do. Seems to be a lacking quality in the Marine business for me anyways. Good luck