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Boat Loans - And How to Get One
At first glance financing a boat is a terrifying task. Most
bankers approve or disapprove boat loans in less than an hour;
they enjoy offering instant gratification on loans. If the
lender has an Internet web site, they can often make a decision
in minutes, 24 hours per day, and seven days a week. You simply
just have to fill out a form, click the submit button, and you
should know in a very short amount of time the answer. When
going about the task of selecting the proper lender, make sure
they have a specialty in boat loans. This is particularly
important when choosing to buy a used boat, if they are
specialized in boat loans they will know the laws pertaining to
boats and liens. Simply put, a knowledgeable lender can save you
the trouble of buying a boat that does not have a clear title
that may end up costing you literally thousands of dollars to
pay off just to clear it.
Loan officers that specialize in boat loans will also have
knowledge about how to add value and subtract for options or
damage to the boat. Contact various lenders and shop around for
the best terms. You should compare the various interest rates,
down payment, and terms of their loan. Keep in mind the smaller
the payment, the longer the loan will last. It is advisable to
obtain a shorter loan term if you can afford higher payments.
Shorter loan terms, in general, cost less than longer.
Typically, the standard down payment on a boat is about 20
percent. There are some situations where a lender may require
more as a down payment; several things will determine the amount
of down payment, such as credit history and amount of the loan.
On the subject of credit, you should prior to applying for a
loan, check your own credit history, if you notice any errors or
outdated information it is important that you get them corrected
before you apply. Prospective lenders will always check your
credit prior to approving a boat loan. There are other factors a
lender will very likely consider when determining your
eligibility for a loan. These factors include your salary, ratio
of the installment debt to that of your income, job stability,
and your disposable income. The total debt you incur monthly to
income ratio cannot exceed more than 30 percent of your gross
income, if it does it is likely you will not be approved for a
loan. If this occurs, you should consider waiting until you have
relieved yourself of some debt and apply again.
When you are considering how much money you should apply for,
keep in mind any additional items that are not included in the
purchase price. Add the costs for these into the price of the
boat, as well as extended service contracts with the dealer for
the engine and drive, do not forget insurance as well. These are
all things to consider when applying for a boat loan.
About the author:
Ethan K. Roberts write on a range of different topcis including
low rate boat loan insurance. Please visit refinance your
boat and marine insurance forms.
Written by: Ethan K. Roberts
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