Hey everyone! I’ve been thinking about buying my first boat, but the whole financing part is completely new to me. I keep seeing ads for “affordable marine loans” and low interest rates, but when I actually look into the numbers, it’s all pretty confusing. I’d love to hear how others managed their boat financing—did you go through a bank, the dealership, or some other route? What should I watch out for?
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Go through a credit union or bank first to get pre-approved, as they often offer better rates than dealership financing and help you understand your true Buckshot Roulette budget. Watch out for hidden fees, long loan terms that mask high total costs, and make sure the interest rate is fixed, not variable.