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Boat Financing

Boating Talk For discussion of everything related to boats and motors

Lake Chuck Duck Boat Financing 08-01-2012, 08:51 AM

Top Dawg If u buy a new boat you can finance it however long. But... 08-01-2012, 09:01 AM

Tightline11 If you r going with a new boat I wouldn't finance past the... 08-01-2012, 09:04 AM

Lake Chuck Duck My thoughts exactly. Pay more when you can, but if you get... 08-01-2012, 09:05 AM

jchief That is what I did 08-01-2012, 09:08 AM

Top Dawg Yep. But you will have to check with banks/credit union on... 08-01-2012, 09:08 AM

"W" I would not go longer than 5-7years on a boat,,, some will... 08-01-2012, 09:12 AM

kcinnick I am debating financing a boat now or piling cash until... 08-01-2012, 09:51 AM

swamp snorkler For sure check with a credit union if you a member and what... 08-01-2012, 10:08 AM

weedeater CSE had 1.9% a few months ago so watch for that to come... 08-01-2012, 10:15 AM

Ray When I bought mine in 2009, the banks wanted anywhere... 08-01-2012, 10:21 AM

Ducktrickster That's not Ford Motor Credit. That's your ford dealer... 08-01-2012, 03:08 PM

Lake Chuck Duck I do all my loan needs through the credit union. Only way... 08-01-2012, 10:25 AM

kcinnick My credit union wants 9% for boats! They are usually... 08-01-2012, 11:00 AM

Big Kahunaz Last thing I'd want is to be upside down on a boat.... 08-01-2012, 03:52 PM

"W" Almost any boat u buy u will be upside down unless you put... 08-01-2012, 05:35 PM

fishinpox if you go over 30k loan most will do a 10 year note. there... 08-01-2012, 04:42 PM

"W" I got 5.99 rate for 5 years from State Farm Bank (new boat... 08-01-2012, 05:31 PM

Big Kahunaz Just saying.... finance it for 10-12 and your upside down... 08-01-2012, 05:55 PM

Reel Aquaholic I got a 3.5% rate on a 4 year loan for my Nautic Star thru... 08-01-2012, 08:33 PM

Tightline11 I have to agree with what has been said by several people... 08-01-2012, 09:13 PM

2ndamendment Sound financial advise is pay for it in full the day you... 08-01-2012, 09:36 PM

scott craft I think it's pretty interesting that you're the only one on... 08-05-2012, 02:36 PM

2ndamendment Scott as you and purebay have stated, 'each of you have... 08-05-2012, 09:54 PM

"W" T I will have to disagree with u ,, I have had many... 08-05-2012, 10:10 PM

Lake Chuck Duck Saving up and buying a boat cash without a loan? Common... 08-05-2012, 03:56 PM

scott craft It wasn't too long ago I would have took a loan out no... 08-05-2012, 08:55 PM

PUREBAY2200 If u can get a low interest rate....6% or less then... 08-05-2012, 05:32 PM

"W" Soooo your giving boat buying advice??? Is that kind of... 08-05-2012, 06:16 PM

"W" So what happens when you buy a boat under powered and then... 08-05-2012, 06:30 PM

BayBolt23 Great point PureBay 08-05-2012, 05:41 PM

slickfish Simple mathematics wise one. You lose money. 08-05-2012, 06:31 PM

"W" Yes I know that...just wondering why that person is giving... 08-05-2012, 06:40 PM

PUREBAY2200 As usual ur statements about me are incorrect. 08-05-2012, 06:42 PM

PUREBAY2200 I'm speaking from experience. Lessons learned. 08-05-2012, 06:41 PM

PUREBAY2200 I learned a lot on my purchase; when I repowered I didn't... 08-05-2012, 06:47 PM

southern151 Sound advice purebay. Keep in mind, your heckler thinks... 08-05-2012, 08:23 PM

PUREBAY2200 Thanks Corey; and yea I know his thought process.... Lol I... 08-05-2012, 08:25 PM

eman Whatever you do ,DO NOT FINANCE W/ Bank of America. I... 08-05-2012, 09:38 PM

PUREBAY2200 I actually agree with W. He states the truth. Things have... 08-05-2012, 10:20 PM

weedeater I agree with ya'll both, I am all about having things paid... 08-05-2012, 10:55 PM

"W" 2ndamend...let's look @ your theory You have your car... 08-05-2012, 10:43 PM

bjhooper82 Thats a very good point W 08-05-2012, 10:51 PM

"W" Ill take the Banks money for 5years at 2% than lose mine @... 08-05-2012, 11:33 PM

2ndamendment W I will not engage in what would be a lopp sided... 08-05-2012, 11:54 PM

PUREBAY2200 a person living paycheck to paycheck with no saving has no... 08-06-2012, 04:43 PM

2ndamendment X2 purebay 08-06-2012, 07:14 PM

weedeater Just curious but if you have $20,000 in an account or... 08-06-2012, 12:35 AM

scott craft In this scenario it looks like you are either taking the... 08-06-2012, 05:08 AM

"W" Not the same ...... 20% of 100k is 20,000 20% of 80k is... 08-06-2012, 10:38 AM

fishinpox Borrow borrow borrow!! Borrow some much that u are so good... 08-06-2012, 06:31 AM

bmac W, if you are making 20% on your investments every year,... 08-06-2012, 07:34 AM

"W" Over a 10 year adv...I have made right at 22% with only two... 08-06-2012, 09:09 AM

Dink Save ya money for a year and pay cash fir a used boat. ... 08-06-2012, 08:37 AM

PUREBAY2200 when did W get a financial calculator..... lol 08-06-2012, 04:37 PM

PUREBAY2200 It's human nature to get what u want ASAP!! We are all... 08-06-2012, 07:35 PM

scott craft There's some excellent advice in this thread. I'm going to... 08-06-2012, 07:54 PM

scott craft Well I did some math on this subject. I will agree that... 08-12-2012, 09:06 AM

lsufish W is an anomaly to any rule. If you can get 22% return... 08-12-2012, 08:59 PM

Salty I agree and it don't take an economist to figure that one... 08-12-2012, 09:14 PM

scott craft I'm thinking I need to hire W to handle my 401-k. Wells... 08-12-2012, 09:26 PM

"W" Why can't I get 15-20% annually ???? Explain that to me???... 08-13-2012, 07:08 AM

scott craft I have a couple of his books. Wish I would have discovered... 08-13-2012, 07:20 AM

2ndamendment Scott.....W is who he is and does what he does. You take... 08-13-2012, 09:16 AM

Swlatiger Somebody drank the Dave Ramsey KoolAid. (I just paid... 08-12-2012, 09:13 PM

2ndamendment Know him do you young man... Nice......You keep paying... 08-12-2012, 10:38 PM

scott craft I agree, and obviously what he does works for him. I put... 08-13-2012, 09:21 AM

simplepeddler nevermind is always a good comment when it comes to... 08-13-2012, 09:53 AM

"W" If you have 20K invested....go ahead and cash it out (pay... 08-13-2012, 09:59 AM

Salty Isn't there a forum for this crap? 08-13-2012, 10:18 AM

Smoke Shack BBQ Do you really think a millionaire is going to finance a... 08-13-2012, 10:21 AM

"W" I know several who are very wealthy (Oil money multi ... 08-13-2012, 10:39 AM

Smoke Shack BBQ You know more peoples personal financial business than all... 08-13-2012, 10:43 AM

Salty Isn't there a forum for this crap? 08-13-2012, 10:47 AM

"W" yes dont read it form.....You should look for it instead of... 08-13-2012, 10:48 AM

Salty How the hell did you suddenly become such an economist when... 08-13-2012, 10:52 AM

More replies below current depth...

"W" Nope just happen to be really good friends with this one... 08-13-2012, 10:47 AM

Smoke Shack BBQ And you think some big huge millionaire is going to wait 3... 08-13-2012, 10:48 AM

"W" Tell you what....You give me 20K for 5 years and I will... 08-13-2012, 10:51 AM

Smoke Shack BBQ Show me your high school and college diplomas and I will... 08-13-2012, 10:57 AM

"W" LMAO....Show me your PM from... 08-13-2012, 11:00 AM

"W" I will do that for you ..I will if you agree 100% to let me... 08-13-2012, 11:05 AM

Salty It's hangin' on the wall at his dad's house. Ain't that... 08-13-2012, 11:10 AM

scott craft This is like a train wreck now, I'm sorry I even asked a... 08-13-2012, 11:01 AM

SquatchHunter it always be like that when w give his opinion for guy with... 08-13-2012, 11:59 AM

"W" Dude you sunk a boat in 2ft of water.....on anchor.....LMAO 08-13-2012, 01:57 PM

Lake Chuck Duck Sorry I said I wanted to buy a boat....:rolleyes: 08-13-2012, 01:04 PM

Swlatiger I think the fundamental difference here is risk. I equate... 08-13-2012, 11:08 AM

scott craft Taking out a loan for a combine for your business is quite... 08-13-2012, 11:08 AM

Smoke Shack BBQ Post them up and the check is in the mail. Sent from... 08-13-2012, 11:13 AM

"W" When I get home ill email it to you pm me your addy no need... 08-13-2012, 11:35 AM

Smoke Shack BBQ Send your diplomas to smokeshackbbqla@gmail.com If you... 08-13-2012, 12:00 PM

simplepeddler come on guys.............."W" likely taught Obama how to... 08-13-2012, 01:41 PM

1fastmerc Always stirring up trouble. How could you possibly want a... 08-13-2012, 01:41 PM

scott craft Well I apologize, I wouldn't have said anything if I knew... 08-13-2012, 01:53 PM

slickfish BORING 08-13-2012, 02:32 PM

SquatchHunter How thread bout boat finance turn into w money talk no one... 08-13-2012, 02:37 PM

"W" tell us how you never were sponsored by Laguna rods and got... 08-13-2012, 02:54 PM

SquatchHunter I aint guide or cop never been you a lair how long mods... 08-13-2012, 03:56 PM

"W" Poor Rackmynutts...all ready busted by your text to... 08-13-2012, 04:02 PM

SquatchHunter you got a bad brain or you just stupid prolly both you not... 08-13-2012, 04:13 PM

Lake Chuck Duck W doesnt post opinions he only states facts lol 08-13-2012, 02:54 PM

"W" :fireworks: 08-13-2012, 02:55 PM

Smoke Shack BBQ When Obamer gets relected you won't have squat to retire on... 08-13-2012, 03:23 PM

"W" U MAD......Sure it will.......Just go back to your east... 08-13-2012, 03:30 PM

Smoke Shack BBQ Why waste the $6. If you don't have the balls to say it to... 08-13-2012, 03:49 PM

"W" Because we cant really say it out...here...were too busy... 08-13-2012, 03:58 PM

Smoke Shack BBQ Keep talking from.behind your computer internet tough guy.... 08-13-2012, 03:59 PM

Smoke Shack BBQ Then send me a pm. Talk your smack in a pm. Chicken *****.... 08-13-2012, 04:01 PM

"W" $6bucks BUSTER 08-13-2012, 04:07 PM

Smoke Shack BBQ You nor this site is worth $6. I'll just keep wasting... 08-13-2012, 04:13 PM

SULPHITE smoke shack bbq in river ridge right? 08-13-2012, 04:22 PM

Bluechip Smoke Shack BBQ....aka "Is It October Yet" We banned... 08-13-2012, 04:31 PM

Bluechip And Squatch Hunter......aka Ryan Rackmynutts..... We... 08-13-2012, 04:34 PM

"W" Boom.....And you have it The rest of the story 08-13-2012, 04:41 PM

Bluechip :work:......It's coming :smokin: 08-13-2012, 04:43 PM

SquatchHunter you bad as w makin up lies 08-13-2012, 05:07 PM

Bluechip Not at all.....I think it's time for you to go back to... 08-13-2012, 05:17 PM

meaux fishing I thought that's who it was...what a fkin douche 08-13-2012, 04:41 PM

THE ULTIMATE WARRIOR Hey OCTOBER i'll be yo huckleberry!!! 08-13-2012, 04:42 PM

Bluechip He doesn't want any beef with you......He is too busy... 08-13-2012, 04:45 PM

THE ULTIMATE WARRIOR LUCKY....in the ring for 3 minutes......3 minutes of PLAY... 08-13-2012, 04:47 PM

Bluechip Maybe you and child abuser could book a trip with... 08-13-2012, 04:50 PM

"W" Yall can thank me later for bring out the best of the two... 08-13-2012, 04:49 PM

THE ULTIMATE WARRIOR as far a financing a boat...The Ultimate Warrior has no... 08-13-2012, 04:49 PM

"W" I told Casey I could make Ryan Bleed today........ I was... 08-13-2012, 04:53 PM

Micah I knew that smoke shack idiot was one of them douches 08-13-2012, 05:04 PM

Bluechip Yes, it's just a matter of time before their true colors... 08-13-2012, 05:07 PM

meaux fishing It would be his first trip of the year... I kinda feel bad... 08-13-2012, 05:18 PM

Bluechip I agree.......:shaking: 08-13-2012, 05:25 PM

"W" And were back in action..... 08-13-2012, 05:26 PM

Bluechip Ok people....I think everyone has learned how to finance a... 08-13-2012, 05:31 PM

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08-01-2012, 08:51 AM

Lake Chuck Duck Lake Chuck Duck is offline

Lake Chuck Duck is offline

Swordfish

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Boat Financing

I will be financing a boat soon and was wondering what the standard time/term that most people tend to finance their boat loans. I understand you can set it to what you want, but curious what most people do. The longer I finance the the lower the note and the better boat I can get to fit my budget. Interest rates are low so not too worried about that. Any suggestions?

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