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Whether you are looking for a mortgage, automobile financing, marine financing or a home equity loan. Ins-Policy is your one-stop market place.
Owning The Boat Of Your Dreams
Whether it's a 60-foot yacht or a 30-foot Cabin cruiser. Whatever your dream, you'll find many financing options.
While some boaters pay cash for their vessels, most boat purchases made today are financed because it offers several advantages.
For one, the interest expense paid on a loan secured by a boat may be deductible on your federal income tax return. For another, financing allows you to buy a bigger boat than you may have thought possible or to buy it sooner than you thought you could.
Of course, you should always consult your tax advisor for specific information about tax advantages or implications.
More Boat Less Monthly Payment
Today's boat buyers have many choices when it comes to paying for their purchases. Here are a few of the advantages of financing your purchase through your dealer with a National Marine Bankers Association (NMBA) marine-lending specialist:
Lower down payments - in addition to your credit profile the down payment is based on the age, type, and price of the boat you are buying. In today's market, marine lenders offer financing with down payments typically in the 10-20 percent range, but often there are programs available through various manufacturers that could allow you to qualify for less, or zero-down on new-boat specials.
Faster credit decisions - because you are working with professionals in the marine industry, that understand boats and their buyers. It is not unusual to apply for a loan in the morning and be boating that afternoon.
Longer financing terms - marine-finance specialists recognize the value of a well-maintained boat, as such terms generally will be more attractive than those offered by local banks and credit unions.
Lower monthly payments - marine lenders extend longer terms on boat loans than local banks and credit unions, so your monthly payments are likely to be much lower than you expected.
More electronics and extras - marine-lending specialists will allow you to finance optional equipment, electronics, extended service plans, and life/disability insurance coverage with your purchase.
Monthly payments are often quite a bit lower than prospective boat buyers expect. And by financing your purchase instead of paying cash, you increase your financial flexibility. It affords you the advantage of getting a boat that's closer to your dreams.
By financing your boat purchase, you can usually afford a newer, larger or more powerful boat, a better trailer and all the gear that it takes to make boating safer and more enjoyable!
