Best financing rates in 2019.

[Jimxo]

Anyone getting 5, 10, 15 year rates @ 5 or 6 %

 

[Jimxo]

Rep at boat show pulled out these.

 

[nf22]

Were you just at the NY Boat Show?

 

[Jimxo]

Were you just at the NY Boat Show?

No, Chicago.

 

[nf22]

Gotcha. Thanx for the update. I am going to the NY Show over the next few days so now I have a little info. Appreciate it...

 

[Phreddei]

LightStream.com 10k-100k 60months 5.99% Longer term higher %.

 

[AmesJainchill]

Anyone getting 5, 10, 15 year rates @ 5 or 6 %

The CU I worked with was a half % better (4.49) than yamaha/synchrony (4.99) in late 2018 and they appear to be even better on top tier now!

 

[nf22]

Can you please provide contact info for the financial company Ames?

 

[AmesJainchill]

Can you please provide contact info for the financial company Ames?

Msgcu.org

This is where I got my rates. Not sure if it's different outside of mi. Top tier is 750 or higher iirc.

https://www.msgcu.org/Michigan-loan-rates

 

[nf22]

Thank you !!

 

[haknslash]

The CU I worked with was a half % better (4.49) than yamaha/synchrony (4.99) in late 2018 and they appear to be even better on top tier now!
View attachment 86778

Those aren’t bad. Too bad they can’t offer loans in my area

 

[Matts18]

I can't believe you had the nerve to ask a financing related question. Haven't you read any other threads? Only morons obtain loans to buy anything.

I think you can beat 5% for 120 months if you shop around. You may need to go in and talk to a credit union face to face as I am not certain they always publish their best rate, but if you ask them to beat the advertised synchrony rate someone will get you into the 4% range.

But Dave Ramsey would not approve.

 

[Meetball]

problem with most cu is they limit to either 6 or 7 years. when i got mine for my boat they were running a special 5 year at 3.4%

 

[AmesJainchill]

But Dave Ramsey would not approve.

So I've read around here, lol. Maybe that's why the forum was "upgraded/enhanced" and there's no more thumbs down? Ha.

Far as non-mortgage/home loans go... if I croaked tomorrow, i figure my fam can have the liquid cash in the accounts and the bank can have the boat.

 

[PJ73]

Msgcu.org

This is where I got my rates. Not sure if it's different outside of mi. Top tier is 750 or higher iirc.

https://www.msgcu.org/Michigan-loan-rates

That rate is only for Michigan residents. Anyone else got a lead on good rates?

 

[MattFX4]

The CU I worked with was a half % better (4.49) than yamaha/synchrony (4.99) in late 2018 and they appear to be even better on top tier now!
View attachment 86778

Those are some great Rates. I had 4.75% on my boat for 180 months that I purchased in 2016. Rates have gone up some so most banks and credit unions are higher now.

 

[rrmidden]

Yet another reason I don’t want to upgrade boats right now. I got 2.99% with Yamaha/Syncrony back in the fall of 2015.

 

[Ziess21]

Best rates going right now are for A+ credit rating (750+) through the US Bank Marine Indirect Program, ask your dealer if they are part of the program and see what they can get you. I you can put substantial money down you can get to the mid 4s on rate.