Im going to look for a used boat but i dont have cash for a down payment and i hope to get a long term payment. I told my wife i wouldent get one if the payments are to high. I hope to keep it about 200 to 250 a month. Want to get around 17000 for a loan. I know it depends on a credit check and payment history my credit score is around 740 im afraid might looking for a loan thats almost impossable to find.