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who has financed there seadoo

brandon32689

brandon32689

New Member
hey guys i was thinking maybe this winter or next to get a new set of jet skis, or even a seadoo boat. who has financed one? is it a pain and sad to pay during the winter? also how hard is it to get financed and how long can you finance them for?
 
brandon32689 said:
hey guys i was thinking maybe this winter or next to get a new set of jet skis, or even a seadoo boat. who has financed one? is it a pain and sad to pay during the winter? also how hard is it to get financed and how long can you finance them for?
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Sea doo does offer financing as well. My credit scores are 737, 742 and 726 and they offered me like a 10%. I searched around some credit unions are going as low as 4%. To bad i found those credit unions after i got financed through State Farm. I ended up with a 5.5% through State Farm bank. You can just go into any agents (yes the insurance agents) office and they have access to state farm bank. Took them about 30min and the agent wrote me a check on behalf of State Farm bank and i went and picked up my sea doo boat
 
There is nothing wring with financing a toy. Actually... that's how our economy works... and keeps money moving.

If you wait until the fall... SeaDoo historically will give the best incentives. The year before last, they were giving 3%, big rebates, and a 5 year warranty.

Length depends on the toy. A big SeaDoo boat can be pushed to 15 years.
 
Most credit unions and banks will finance PWC just like boats. My friend bought 2 new GTI's last year and the total was like 16,000 and they did a 10 year loan. He pays like 150 bucks a month.
 
i just can't imagine paying for something for 10 or more years....just crazy and to me not worth the expense, especially when the warranty isn't even 1/3 of that loan time.

that 150 bucks a month is for 10 years....who even knows what life will hold in 10 years. too much for too long. just my opinion.....thats why i bought used...paid cash and when i'm done....will make my money back. its perfect.
 
Yeah I agree, thats why I bought mine used and it is paid for. But some people arent very good at saving money and that is the only way they can play, so i understand.
 
my philosophy has been....if i can't pay i don't play. such is life. that's why so many people are in debt. beside just think about what shape that boat will be in in 10 years even if you do take decent care of it, not to mention all the repair costs over 10 years on top of the loan and full coverage insurance you need because of the loan.

about the only thing i don't have a problem financing is a new car cause the warranties last as long on most makes now as the financing does. but my truck is paid for and i only have 2 years left on my wifes car, thankfully....and even on that....i bought CPO with warranty so i saved even more and got more car for my money.

but, hey don't get me wrong.....i understand why people do it. they just want to have fun, i mean you only live once right. i've used that excuse a few times, but luckily not to finance a boat for 10 years. i don't think people that do are dumb....its just my thing to not want to do it. more power to them if they can make it work. ;0)
 
honestly if you have great credit yamaha right now has better interest rates and financing then anyone. 0 down payment and 2% or 2.99% i can't remember which one...
 
Yamaha is doin 3.99% now and my friend bought a new Seadoo rxpx last year and pays 250 a month for a sick new ski but has a Nissan sentra with 100,000 miles on it to me I would have bought a new car that's me tho I have two new cars (one lease and one finance) and bought a used ski and am plenty happy with my ski even when he passes by my (not by much) when I'm not making that payment but I have finance a new quad and street bike so I can't say much but budget your self and don't put your self in a hole
 
Kozerxp said:
Yamaha is doin 3.99% now and my friend bought a new Seadoo rxpx last year and pays 250 a month for a sick new ski but has a Nissan sentra with 100,000 miles on it to me I would have bought a new car that's me tho I have two new cars (one lease and one finance) and bought a used ski and am plenty happy with my ski even when he passes by my (not by much) when I'm not making that payment but I have finance a new quad and street bike so I can't say much but budget your self and don't put your self in a hole
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http://www.yamaha-motor.com/boat/products/lifestylehome/home.aspx

it's 2.99% apr and 0 down.. here is link
 
Just went on the site it says 3.99% and I knew cause I just bought a new street bike on saturday 3.99% for 36 months
 
I paid my wifes jeep off last year and traded my truck in this year for a 2011 RAM , but pulling behind 2 96 seadoos lol. I still love them tho. I think this winter I might look for a 06-08 challenger. For around 10-15k hopefully with about 5k down my bank will hook it up. I really want a boat next year since my son will be over a year old. What's your views on that getting like a 06-08 rather than new.
 
I have a 2010 jeep grand cherokee hemi towing my 00 xp In my opinion Half the price lol I would look for a used low hour boat I'm lookin into maybe a wake 230 510hp but at 60k new I would take a low hour used one at about half that
 
brandon32689 said:
Damn ya id be happy with one of the 255 hp boats seadoo has.
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You should be able to find them. I paid 26k for a 2010 brand new last year in late june. In february i was going to trade it in at the dallas boat show or the Atlanta boat show. Well long story short i talked to about 15 dealers and the best anyone of them would do was 15.5k. My boat is spotless and has 30hours on it. So i'm sure you can find a well kept one in that price range.

It might be 3.99 for bikes but it's 2.99 for boats the link i posted tells you 0 down and 2.99%. Also i am going thorugh the process now as we speak of purchasing a 2011 yamaha 242 and i the yami offer is 0 down 2.99 for the life of the loan..
 
Generally speaking, the longer you finance a boat, or Jet Ski's, the lower the rate will be.

My credit Score is over 800, I got mine for 5 yrs at 3.9% through USAA. USAA is pretty much for military only. I got two ski's at around 25 grand. My total payment (as I put 8 grand down) is 325 a month. BUt,,, I did the long payment schedule to get the lower interest rate. I am paying $1000.00 a moth on them. I will have them paid off in about a year it looks like.
 
This is my opinion and like the saying goes, opinions are like a**h****, everybodys got one.

Because the first few years, depreciation on skiis makes the price drop like a rock, if you finance a new machine you're going to be upside down immediately. I know what I'm talking about, I am an IT manager at an auto dealership.

I would buy what I could afford, I personally prefer the old 2 stroke skiis anyway. If you finance one, buy one a couple years old rather than a brand new one. Like I said, just my opinion.

Lou
 
just got ours this past weekend. 2011 gts 130 for 72 months at 7%. Credit score around 680-690 they are offering good financing now
 
2011GTS130 said:
just got ours this past weekend. 2011 gts 130 for 72 months at 7%. Credit score around 680-690 they are offering good financing now
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Thats not bad man what is your payment tho? did you get a trailer too. post up some pics of the skis,


ya guys i think i am going to look for like a 08-10 seaddo challenger in this winter and see if i can find a good deal and if my bank will help me out if i got about 5k down
 
Payment is around 150 with trailer. Altogether total was around 10 or 11k. I'll try and post a pic. New to this forum stuff.
 
haha oh i thought you said you got 2 for that price i was likle damn i am gunna make a drive to that dealer idc how far it is lol
 
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