Bell weather had great terms and rates, haven't checked lately. As was said. Essex and boat bank usually work with the dealers with good rates. If you go short term as you plan you can find under 5 for sure possibly much lower. Also if you know exactly which boat you want you may want to wait for the boat shows, you could get better terms and lots of upgrades for free. They will still have plenty of time to build your boat for April. If the feds raise the prime rate that could impact luxury item rates pretty quick.
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