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I've financed a 1989 37' Egg Harbor that was in mint condition. A much more expensive boat than what you're talking about. I called professional companies that specialize in financing these types of boats (yacht financing), only find terrible rates and terms. With my credit score I was determined to get the financing I wanted. Finally called a local credit union. I told them what I wanted, how much I was putting down, and they said no problem. I never even filled out an application and I got a great rate! I went in to do the paperwork and it took only a few minutes and I was all set; they didn't ask for an appraisal or survey (which I had done anyway). Point is, check your local area and make lots of calls, likely the best deal you might find is in your own backyard.