boat loan

[dschifan]

i need a 25,000 dollar boat loan, can i still get a loan with a 745 credit score without showing proof of income?

[riverbound]

Call Boatloan guy. I havent had to use him (paid cash for my boat), but when I was looking into loans he was really helpful
Chris-951-906-6300

[dschifan]

thanks, i'll give him a call what city is he located out of? a lot of these loans on the website ask for proof of forms of income which is a pain to show since i am a full time student and mostly work out of home.

[riverbound]

thanks, i'll give him a call what city is he located out of? a lot of these loans on the website ask for proof of forms of income which is a pain to show since i am a full time student and mostly work out of home.
I think HB. Been a while since I talked to him. He used to post on here pretty consistently.

[Jesster]

We did ours through Newcoast Financial. Kyle beat all other lenders I called rates by almost a full point. And no proof of income required.
Kyle Vollenweider
Newcoast Financial Services
866-639-2627 x46
Mobile 727-741-8150

[socalmofo]

I have 700+ Credit and didn't need any proof of income - Loan amount alnmost 50k

[Jyruiz]

I didn't need one either, but my score is in the low 800's and I went thru Melissa at Essex Credit. I don't think you would have a problem with that score either.

[FREIND OF AA AND TA]

Chris Kennedy has done three loans for me!!! His name is verry true! Boat Loan Guy!!! His cell#951-906-6300

[GRUNION]

I also used melisa at essex

[dschifan]

alright so i talked to mellissa at essex, she is awesome by the way. i'm not sure if i'm going to be able to get my loan cause i'm only 22 and have not been in the credit bureau for that long. she is still working for me trying to see what she can do and is going to let me know tomorrow, ain't that a bitch!
anyone know how to get around this? besides gettin a co sign

[Kilrtoy]

You guys kill me with these scores.
i have a 420 score and I want to buy a 200K boat, who can help me :rolleyes:

[rerfert]

You guys kill me with these scores.
i have a 420 score and I want to buy a 200K boat, who can help me :rolleyes:
Suzi Orman is on TV right now.
She might be able to help you with that 420 score.

[axkiker]

i went through eboatloans and didnt have to show any income. I done have anywhere near a 700 score. I think im mid to low 600's depending on what brueau you pull.
the guy was an idiot and it took forever to complete since he didnt know his state laws. It however it did get finished.

[truksnboats]

Dschifan, What the lender is looking for when reading your credit is not only the score, but how many tradelines you have open and for how long. This shows your ability to repay debt. I would ask your parents to add you onto an existing credit card of theirs. When this tradeline shows up on your credit report (usually within 2 weeks) the length of time that your parents have had the card open will also reflect on your report looking as if you had that account as long as your parents. This should take care of your issue.

[Drift]

Dschifan, What the lender is looking for when reading your credit is not only the score, but how many tradelines you have open and for how long. This shows your ability to repay debt. I would ask your parents to add you onto an existing credit card of theirs. When this tradeline shows up on your credit report (usually within 2 weeks) the length of time that your parents have had the card open will also reflect on your report looking as if you had that account as long as your parents. This should take care of your issue.
That's creative and may work, but the fact is that if you F-up you will be hurting your parents credit as well as your own. I would say you need to man up and buy what you can afford. You're 22, the boat should be alot less improtant than say $$$$ money for a downpayment on a house.

[Jyruiz]

You guys kill me with these scores.
i have a 420 score and I want to buy a 200K boat, who can help me :rolleyes:
He has a 745 score, that is pretty good for his age. I don't think he will have a problem.