Does anybody have a 2016 Nitro Z20 with either the 200 or 225hp? Curious about the performance, likes and dislikes of the boat.

I don't have one. I did notice bps 275 a month payment plan. Who in the heck would finance a boat for 240 months plus 10% down. Really who's willing to do that??

The annual income of the average TFF'ER is one billion dollars. Other than them, I'd imaging alot of them 70k rigs flying around are financed 20 years.... I know that's the only way I could afford one.

In my view this is a criminal business activity to loan money on a $25,000 to $50,000 boat for 15 to 20 years. The buyer is also certifiably insane. I am sure Tracker Marine is not the only company doing this non-sense.

From the Nitro boats web site:

TRACKER MARINE FINANCIAL SERVICES
How long for repayment? The number of years, or the term, of your loan is another thing to consider. Boats are often financed for longer terms than, say, automobiles. Loan terms of 60 to 240 months are not unusual depending on the amount you finance. Typically, lenders will reserve the longer terms of 180 or 240 months for more expensive boats, over $25,000 or $50,000 for example. Longer terms mean lower monthly payments for any given purchase price. Something to keep in mind, though, is that the longer the term of the loan, the longer it will take for you to gain equity in your purchase.

In my opinion, that boat needs no less than a 250. I could be wrong and I know people run them with a 200 or 225, but your top end will suffer, I believe your gas mileage would suffer, and under heavy loads, your holeshot would suffer. Not to mention the resale of the boat. These are just the things that I would look for. Anything less than a 250 on that boat is considered underpowered by most people.

Good luck!

Very good comment on the 250

no company makes folks signup for things that they cannot afford.

So, back to the original question. Does anybody actually have one they have driven. Pros/cons on performance, etc.

Sorry I don't have one, but they sure look nice sitting in the Bass Pro. A whole lot less that other brands.

a fool and his money soon part..

I missed the part where the op asked about boat financing. I thought he asked about performance

Did test ride at TB. Very stable go with the biggest motor possibly. Con for me was the orientation of seat hight to steering wheel and the angle of driver seat was very uncomfortable. I like my steering wheel up like driving a truck. I tried and tried the steering wheel was in my lap or between my knees. Passenger side was okay. I also don't like the feeling of sitting even with the top deck. Over quality look just as good as any other boat in the 60k - 70k range. I would suggest a test ride cause each person is different. That's my 2 cents.

Thanks catching air.

I rode in one at Toledo Bend also and didnt like anything about it. To me it was a horrible ride in a good chop the seats sit so high it feels like your going to fall out of the thing. I would spend my money else were.

I noticed that Fox Sports Outdoors Barry Stokes has one, maybe send him a message. I did that once on what kind of gloves he uses he got right back to me with some great info. Bill Wilcox (Honey Hole Outdoors) has a Z21 ... maybe same layout or not.

Look like really nice rigs.