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Boat and RV Loans: tips and tricks

Blogs meant to educate consumers on the recreational loan process
Top 10 Things to Do Before Getting a Boat Loan

Top 10 Things to Do Before Getting a Boat Loan

Buying a boat is an exciting experience, but it’s also one that requires careful planning. 1. Understand Your Credit You need to check your credit rating before applying for a boat loan. For boat loans, most lenders require at least a 700 score or higher. Fortunately,...

Can I Still Get Boat Loan or RV Loan After I Got Declined?

Can I Still Get Boat Loan or RV Loan After I Got Declined?

My local bank declined me. now what?Boat loans and RV loans simply aren’t the forte of some lenders. There are different rules and regulations in place that are different from auto loans or mortgage loans, so they might not have all of the correct knowledge and...

Recreational Loans: Expectations vs. Reality

Recreational Loans: Expectations vs. Reality

Recreational Loans: Expectations vs. RealityConsumers enter the loan process with certain expectations, whether it comes from their experience with other loans or word of mouth. Let's take a closer look at the expectations vs. the realities of the recreational loan...

Boat Loans in Georgia

Boat Loans in Georgia

where do you go to find a boat loan in Georgia?With over 1,800 miles of coastline, beautiful lakes, and sparkling rivers, Georgia has a lot to offer outdoor enthusiasts. On any given weekend, you can see countless boaters out on the calm waters of Lake Allatoona or...

What Are Lenders Evaluating on My Loan Application?

What Are Lenders Evaluating on My Loan Application?

What do lenders evaluate for boat and RV Loans?You’ll always be asked about your credit score, and usually, there’s a target number that some lenders like to see. Though, it’s still possible to obtain a boat or RV loan even without meeting some lenders’ standards....

Can I Obtain a Loan with Subpar Credit?

Can I Obtain a Loan with Subpar Credit?

It’s your dream to travel the country in your spacious RV or have the time of your life out on the water. Unfortunately, if you’re like about 35% of the country, you have a subprime credit score. It may seem like, at least for the time being, you aren’t going to be...

Boat Loans and RV Loans: Common Myths

Boat Loans and RV Loans: Common Myths

Don't be intimidated by the myths you hear. Upon research, you may have heard a few different things about what recreational financing entails. Many things you read are likely true, but there are plenty of myths that we hear all the time. It’s somewhat frustrating...

How can I use a loan calculator to find the best terms for me?

How can I use a loan calculator to find the best terms for me?

Knowing your preferred terms is the best place to startBut many people like to have at least a rough estimate of what their cost will be. Before you begin your quest to find a loan for a boat or RV, it’s important to know what kind of terms you’re looking for. If you...

Costs to Consider When Financing Your Boat or RV

Costs to Consider When Financing Your Boat or RV

Great news! You just found that perfect boat or RV!But before financing, there are costs you need to consider. Recreational loans can be more extensive than what you’re used to experiencing. You don't want to be surprised in the end. There are some pretty...

Why are Recreational Rates Higher than a Home or Car?

Why are Recreational Rates Higher than a Home or Car?

You’re trying to buy a new boat or RV and the loan terms come back with a little higher rate than you are accustomed to. The last time you had a similar rate, you were buying your first car with almost no prior credit history and a small down payment. You might be...

How to Get Lower Interest Rates for Your Recreational Loan

How to Get Lower Interest Rates for Your Recreational Loan

“Can I get a better rate?”Whenever you’re financing a big purchase like a boat or RV, of course you’re going to want the best terms possible. You’re probably accustomed to the rates you received for your auto or mortgage loan. Recreational loans tend to be a little...

Why Financing Your Boat or RV is Better than Paying Cash

Why Financing Your Boat or RV is Better than Paying Cash

When purchasing a boat or RV, you have a couple of different options. You could pay cash, or you could choose to finance. There are advantages to each option, but when you investigate a little further, there may be some advantages to financing your boat or RV that you...

Is Obtaining a Boat or RV Loan Difficult?

Is Obtaining a Boat or RV Loan Difficult?

Is Obtaining a Boat or RV Loan Difficult?Adventure is calling your name. The excitement is overwhelming. You’ve finally decided to buy that boat that you’ve always wanted, and now you need a loan. At first glance, getting a recreational loan seems like a complex,...

Why are Recreational Loans Such Long Term Loans?

Why are Recreational Loans Such Long Term Loans?

You may be trying to finance your new boat, or perhaps you’ve done the research and seen that a boat or RV loan can last for as long as...20 years?? And on average, they can be about 12 to 15 years long! You might be saying, “My car loan is nowhere near that long! Why...

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