1eyefishing
...just joking, seriously.
10 year terms and credit requirements lower than what you need for Credit Card.
Yup. About $10 per month payment on each $1000 borrowed. They'll go 12 years on $15k borrowed, 15 years on $20 grand borrowed. 20 years on $50 grand or more.
Cue the actuaries to tell us how bad a deal that is, but I've got way more state-of-the-art boat then I need for under $500 a month. My last two financed boats, I sold them both for more than what I owed on them after 5 years.