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Apply for your Boat Loan before you walk into the Boat Dealership


Recognizing the heavy weight that the recent recession has placed on the shoulders of many Americans, many financial institutions, lenders and retailers are doing what they can to lighten that load. Aimed at helping people through tough economic times, many companies are offering those with bad credit or even no credit the means to get approved for guaranteed financing. More and more companies are offering financing options that are quick and easy, perfect for people looking to get into a used boat, or new boat even with bad credit.


If you need a second chance, even if you've been effected by bankruptcy or even divorce, there are financial lenders out there that will give you a helping hand, especially if you're looking for a boat. With a guaranteed loan, you'll be able to rebuild and re-establish the credit rating that's taken a beating lately due to the economy.


Specially designed for individuals and families with low credit scores, or even those with zero, limited or particularly damaged credit ratings, guaranteed boat financing can get you back on your feet - or back on the water - quickly. Since a loan approved with guaranteed financing is reported to all major credit bureaus and agencies, your timely payments repaying the loan will positively impact your credit score in no time.


If a boat loan is what you need, you'll be able to find many lending sources, both land-based and online - that can help you. As usual, when it comes to financing, there are a few things that you need to know:


First, know the price of the boat. If you can make a down payment, all the better. Know how much of you'll need to borrow, what the interest rate is on the loan, the loan's terms and payment schedule, etc.


As usual again. Do your research: compare loan offers from different financial sources before you make your final selection. Use the internet as a powerful tool that can bring all the information that you need to make an informed decision at your fingertips, quickly. If you do your comparison well, you be able to choose the right boat lender for you and your particular financial circumstances. There are many lenders that really want your business, so you should be able to - with a little bit of diligence - get a good deal. Do your homework and read the small print and you should be fine.



Also, loans can offer interest rates that are fixed or variable rates. The main advantage of a fixed boat loan interest rate is that you'll know from the get-go what your monthly payments will be. With a variable boat loan rate option, you may get a lower rate initially, but it can increase over time. Some lenders offer a third option for loan interest, which is calculated over the lifetime of the loan or on a per day basis. Use a loan calculator to help you determine what's best for you if need be.


Keep in mind that there are two basic requirements that many lenders need is proof of income, and you have to be 18 years old or older. With online internet loan offers, you'll be able to fill in loan applications relatively quickly and get a final decision just as fast.


BoatUS: Boat Loans

BoatUS has been around for 30 years and has been providing boat loans as low as $25,000 and your down payment can be as low as 10% down.


Online Application Offers Instant Approvals





You can also print then fax credit application


Boat Calculator: Monthly Loan Cost of Your New Boat


Bank of America Boat Financing


Click here to apply for boat financing


Bank of America covers the below states.


* Alabama
* Alaska
* Arizona
* Arkansas
* California
* Colorado
* Connecticut
* Delaware
* District of Columbia
* Florida
* Georgia
* Guam
* Hawaii
* Idaho
* Illinois
* Indiana
* Iowa
* Kansas
* Kentucky
* Louisiana
* Maine
* Maryland

* Massachusetts
* Michigan
* Minnesota
* Mississippi
* Missouri
* Montana
* Nebraska
* Nevada
* New Hampshire
* New Jersey
* New Mexico
* New York
* North Carolina
* North Dakota
* Northern Marianas Islands
* Ohio
* Oklahoma
* Oregon
* Pennsylvania
* Puerto Rico
* Rhode Island
* South Carolina
* South Dakota
* Tennessee
* Texas
* Utah
* Vermont
* Virginia
* Virgin Islands
* Washington
* West Virginia
* Wisconsin
* Wyoming



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