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Started By
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Boat Loan
Posted on 7/15/19 at 8:55 am
Posted on 7/15/19 at 8:55 am
Anybody got a line on a bank/credit union with the best loan rates for boats?
12
Posted on 7/15/19 at 9:01 am to dtett
I used lending tree to find the best rate. Essex credit (bank of the west) beat my credit union by almost 3%.
Posted on 7/15/19 at 9:18 am to dtett
lightstream and usaa (if you have access) are decent starting points to get an idea.
Posted on 7/15/19 at 9:21 am to dtett
Advancial has decent rates. They offer the same rates for new or used.
Posted on 7/15/19 at 9:33 am to Tiguar
x2 Lightstream. Easiest and the best rates I could find.
Posted on 7/15/19 at 9:34 am to dtett
usaa is you can get it
Posted on 7/15/19 at 9:56 am to dtett
Lightstream or a credit union would be your best bet on a newer boat. They had pretty comparable rates, but the term length was longer for the credit union IIRC. My boat is older, and the only lender I could get was Lightstream
Posted on 7/15/19 at 10:03 am to dtett
I agree with the Lightstream recs. They are unsecured and if you have excellent credit their rates are competitive.
They are really good for when you want to buy something and pay it off fast without all the bs going to a bank and they want title etc
They are really good for when you want to buy something and pay it off fast without all the bs going to a bank and they want title etc
Posted on 7/15/19 at 10:11 am to dtett
Lightstream X4. Took about 30 min and money was in my account the next day. 4.29%, closed on it last week
Posted on 7/15/19 at 10:27 am to dtett
Are you looking for a 15 or 20 year loan?
Posted on 7/15/19 at 10:34 am to dtett
I've seen some guys recommend rec-lending on bass boat central
Posted on 7/15/19 at 10:36 am to jsmoke222000
I would also recommend Bank of the West. We had great rates from them.
Posted on 7/15/19 at 10:40 am to weagle99
Are you looking for a 15 or 20 year loan? 
:rotflmao: :rotflmao: :rotflmao: :rotflmao:
:rotflmao: :rotflmao: :rotflmao: :rotflmao:Posted on 7/15/19 at 10:47 am to dtett
I used US bank and got a 4.9%
Posted on 7/15/19 at 11:26 am to dtett
USAA if you qualify.
Posted on 7/15/19 at 11:27 am to ct4lsu
quote:
Kessler fcu
Got to disagree with this one. I joined just for this. They have not come close to others.
Posted on 7/15/19 at 11:56 am to WPBTiger
Do you mean Keesler FCU?
Posted on 7/15/19 at 12:29 pm to weagle99
Haha. This is for a coworker but do they do 25 year loans? 
He's wrestling with buying it outright or getting a loan.
It's a new xpress 22ft bay boat.
He's wrestling with buying it outright or getting a loan.
It's a new xpress 22ft bay boat.
Posted on 7/15/19 at 12:38 pm to dtett
If he has good credit, then another vote for Lightstream. Just used them for a repower and it was quick and easy with the lowest rates I found.
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