I have a new boat on order and am interested in what kind of rates/loans are available. The boat is a 2020, my credit score is low 800s, and I'm going to be looking for a 120 month loan for $40k. I can put down 10%, but do any lenders do 100% loans? Does that 10% generally bring the interest rate down much, if any? I just want to get as much info ahead of time as possible so I have my options covered when the boat arrives.