What credit score do they use to determine for a boat loan

Thank you for the question. If you mean what bureau do lenders pull - that depends on the lender. A lender will pull the same bureau or use a consistent pattern. Some use different ones based on where the buyer lives. Others pull the same one every time no matter where the buyer is. There is no changing the pattern or going off track. If they do, then it open all kinds of opportunity for inconsistency and they can't have that.
If you mean score, that depends on the lender too. Some take only cream and others will take bruised credit as long as it is healed up.
Let me know how we can help.
Thank you,
Ken
(517) 543-6921 - Office

I can add what I have experienced. A dealer will try to get you to finance at a higher down payment and a higher interest by telling you your credit score is a little low. My credit score has been 812 to 822 for as long as I can remember but a dealer told me it was too low. I laughed and walked.