If u buy a new boat you can finance it however long. But I'm not sure about used boat. I financed both mine for 4 years that way I had it paid off and if I wanted to sell and upgrade I didn't owe. It's a good thing too because after I paid it off I had to buy a new motor lol. But I think it's personal preference really. Low note and pay long or high note and get it over with. You can also finance a long time with low comfortable note and double up if you want to pay off early.
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