I am trying to find financing for a 12 year old boat and a 2 year old aluminum trailor. Combined value in the low 20k range. Any suggestions on lenders? My scores are 700 low and 750 high. i prefer to put no more than 20% down.

Hell if thats all you need....just write a convenience check off of a credit card on one of those low ball apr's.

In this day and age no way. I don't trust credit cards and I am agressively paying off the cards I do have. I know I'm not borrowing a fortune but you have to start somewhere.