yeah great wisdom on here. saving boy, join me i havent bought anything on credit in 12 years if i didnt have cash i didnt buy it. I am by no means rich but i got about everything i want. nice place, live on ky lake the whole shebang. never even had a mortage on my place or my 2 yo truck but my boat took a dump so i went to the bank,where i have way more liquid assets than enough to get the new boat i wanted. But i have 2 kids in college and my wife and i are getting older, money saved i like to keep saved as i get older. I was gonna put down enough cash to well eat the loss when you pull it off the lot. But guess what? I had no credit rating, not low scores ,none. banks dont loan money to people with no credit.unless you let them put away and freeze your principal until the loans paid off. wish i had a racket like that. i deal with 3 and same answer from all. So I thought it would be good for everyone if someone with expertice in the area of credit and lending enlighten us poor folks. who have enough funds to pay cash for everything how to borrow 18,000.00 dollars on a 38,000.00 boat. because they didnt understand their own set of rules. so i paid the man in cash and moved everything possible to a credit union and investments to a financial group. go to your nearest credit union explain your situation completely and he will tell you how to get what you want without giving a bank your first child.If your iq is over 90 you shouldnt be dealing with banks. just my opinion i could be wrong. but not usually