thanks for the advice guys. talked with my credit union and its a 9% interest rate through them. the boat is a 2009 and im planning on putting down a large sum then finance the rest since i dont have it all in cash. going to be making some phone calls but the personal loan isnt bad get my title, over 5 years ill pay 2,000 in interest but plan on paying it off early! please anybody else who has advice please chime in!