Don't know your situation but if this is all being done for a boat loan check into personal or signature loan, I did this on my bass boat and the interest wasn't much more and it made things go way smoother since the boat, trailer and motor went into my name instead of having the lender involved and them holding title.... once you get it all in your name if you find something like CSE was doing 1.9% you can then go talk to them about refinancing it.
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