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re: Boat financing
Posted on 1/19/17 at 12:43 am to sonoma8
Posted on 1/19/17 at 12:43 am to sonoma8
I did lightstream. 3% rate and I have title. It's a signature loan that you are required to put towards loan intent such as boat. You pay cash for boat then pay that cash back no collateral attached. If I ever sell my boat I have title in hand.
This post was edited on 1/19/17 at 12:44 am
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Posted on 1/19/17 at 6:39 am to sonoma8
Light stream is quick and easy but hard to get a good interest rate unless your credit is amazing, i bout a boat and financed for 4 years with them and the interest rate was a 9 with a 737 credit score. The deal was was the boat was out of state and a credit union or bank wont finance it unless the guy would come down with the boat so i financed it with them then brought it home and refinanced it with neighbors credit union for a 5%
Posted on 1/19/17 at 6:50 am to SwampBandit
Did you have to pay any fees to refinance the boat?
Posted on 1/19/17 at 7:35 am to WHODAT514
quote:
essential federal credit union
That is who mine is through. I think my rate my be a little better than 5% but I bought brand new. No complaints, I actually had my old truck with them also, but just bought a new one but they wouldn't come down to the rate that the dealer's broker got me.
Posted on 1/19/17 at 7:39 am to RichJ
quote:
I went to my State Farm agent, really good rates (better than the dealer and my wife's credit union) for my last 2 boats, both new. And, he financed the boats that I sold, so they will do both new & used.
Ditto I used State Farm.
Posted on 1/19/17 at 8:04 am to WHODAT514
quote:
essential federal credit union and its 5%
My son bought a 2017 H20B Xpress from Bent's and that's who his financing went through. He's 20 and I want to say his rate was 5%.
Posted on 1/19/17 at 8:05 am to CajunCommander
quote:
Did you have to pay any fees to refinance the boat?
They charge you that transfer fee or whatever it is but it isnt much, it has been a while i cant remember
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