We used our local credit union, but then it's an exceptionally good one with great customer service. They didn't really have a lending category for a boat as big as ours so they categorized the loan as an RV. Yes most boats are toys, but when you see what banks so easily lend on giant RV'S - which are often also toys - I don't understand why so many lenders makes boats so much more difficult. We got a good rate but then we were lucky and only had to finance about 50% of the current value, for a relatively short time. 18 year old boat at the time. 20 would have been their limit for RVs.
(I know the topic of loans for toys has been debated 1001 times on the forum so I won't rehash it, but now that we have kids I have a very different perspective. Sure, it's financially wiser to defer my gratification and pay cash years from now but they won't be with us forever. Family memories...)
Kthoennes,
And that makes sense.