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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
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.
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.
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.