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Old 04-18-2019, 08:21 PM   #101
Slew
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Originally Posted by brokeno View Post
If you have to finance it your not ready to buy a boat

With the price of some boats that's like saying your not ready to buy a house if you can't pay cash for it! I've bought several toys with cash but a Ranger 620FS with $10k of electronics isn't one of them! Life is short! I'm gonna catch as many slabs as I can!!!


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Old 04-18-2019, 08:24 PM   #102
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Go through a credit union if your going to finance it . And donít let anyone on here talk you out of what you want . You only live once if it makes you happy to get a new boat go get it and enjoy it however you please.
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Old 04-18-2019, 08:28 PM   #103
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Interesting thread. The same guys saying if you have to finance it, you shouldn’t buy it...I wonder if those people are truly debt free. A boat is like a ranger or mule or tractor or any other number of toys. For most people, a boat is a toy, so treat it as much. Don’t get into a payment you can’t afford, you can always sell it if you have to. I would look at buying used to make sure you know exactly what you want before you buy new
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Old 04-18-2019, 08:42 PM   #104
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Some of these guys pay "#" thousand a year to lease land. Plus all the costs associated with leases. Granted, they aren't borrowing money to do it, but you are essentially creating a "fish lease" payment by financing the boat. So if fishing and boat playing is what you are into, find the best financing and enjoy. The same as others allocating certain amount of funds per year for their hobby.
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Old 04-18-2019, 09:16 PM   #105
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Originally Posted by Quackerbox View Post
Just thought I'd mention I'll be heading to the lake for the second time this week in my financed boat.

My 16 year old son along with a jr high skool best friend will be tagging along. If anyone is rolling around 290 west of 99 or on lake Somerville be sure and wave at 21' of will be paid off early financed memories.




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Living off of plastic ehhh?
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Old 04-18-2019, 09:28 PM   #106
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Originally Posted by DamonJ View Post
You want a boat - Yes
You have down payment - Yes
Will bank Finance - I say yes
Can you make the payment - ???

If answer to all of the above is Yes, go get you a boat and have fun!!!
This right here! Also your interest rate will be around 6.25% not over 10 like was stated earlier.
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Old 04-18-2019, 09:38 PM   #107
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Which is why you live on plastic and will never get ahead
Clown. Nothing wrong with financing if done correctly.
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Old 04-18-2019, 09:44 PM   #108
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Living off of plastic ehhh?
Of course, Good looks only gets ya so far!

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Old 04-19-2019, 08:35 AM   #109
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Originally Posted by Slew View Post
With the price of some boats that's like saying your not ready to buy a house if you can't pay cash for it! I've bought several toys with cash but a Ranger 620FS with $10k of electronics isn't one of them! Life is short! I'm gonna catch as many slabs as I can!!!


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Right on

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Old 04-19-2019, 08:44 AM   #110
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UTV are also classified as toys. Have one through my credit union at a hair over 2%
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Old 04-19-2019, 09:21 AM   #111
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Originally Posted by newmathewsfan View Post
Happiest 2 days in every boats owners life: the day you bought the boat and the day you sold it. I’ve owned many and it has been true of every one.
You aren’t doing it right then. Buy something you can afford, enjoy every second you can with your family and friends FISHING (because a boat purchase for any other reason is stupid). Don’t get something you can’t fix yourself.... a toy shouldn’t put you out financially, and if Selling your toy is the happiest day of ownership for you... why do you keep buying them?
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Old 04-19-2019, 09:30 AM   #112
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Originally Posted by Rubberdown View Post
You arenít doing it right then. Buy something you can afford, enjoy every second you can with your family and friends FISHING (because a boat purchase for any other reason is stupid). Donít get something you canít fix yourself.... a toy shouldnít put you out financially, and if Selling your toy is the happiest day of ownership for you... why do you keep buying them?
I bought them because I could and just like everything in life, things change. Not everyone has the same interests and even though I love to fish, I have others in my family that have other things they like to do on the water as well. I was never ďput outĒ financially because I bought quality and took great care of everything Iíve owned. Iíd say that Iím not STUPID, but I am entitled to an opinion just as you are sir.
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Old 04-19-2019, 10:04 AM   #113
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Buy whatever the **** you want and enjoy your life...

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This right here
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Old 04-19-2019, 12:17 PM   #114
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This is the happiest day of a boat owners life.

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Old 04-19-2019, 12:29 PM   #115
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I've had just as much fun on a $1000 Gheenoe as I have had on any of the $60,000+ boats. It's not like we have real blue water to worry about in TX.
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Old 04-19-2019, 12:31 PM   #116
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Ugh now I want another Gheenoe.
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Old 04-19-2019, 01:06 PM   #117
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Buy what you want however you want. I bought mine 4 years ago and do not regret it at all. I have fished out of it probably 10 days the last 14. Do the math on guided trips and see where you come out.
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Old 04-19-2019, 02:37 PM   #118
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Originally Posted by panhandlehunter View Post
This is the happiest day of a boat owners life.

I'd like some of that action..........and some of those reds too.





Need to stop looking at this thread....getting the boat bug again....

Last edited by Traildust; 04-19-2019 at 02:40 PM.
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Old 04-19-2019, 02:58 PM   #119
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Originally Posted by panhandlehunter View Post
This is the happiest day of a boat owners life.

Ain't no happiness in having to push your boat off a sandbar
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Old 04-19-2019, 03:02 PM   #120
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Ain't no happiness in having to push your boat off a sandbar
Oh no. That Tran floats shallow.
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Old 04-19-2019, 03:38 PM   #121
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Wore out my deckhand today. Crappie was a little slow but them whites was hot!!

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Old 04-19-2019, 09:22 PM   #122
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Originally Posted by newmathewsfan View Post
I bought them because I could and just like everything in life, things change. Not everyone has the same interests and even though I love to fish, I have others in my family that have other things they like to do on the water as well. I was never ďput outĒ financially because I bought quality and took great care of everything Iíve owned. Iíd say that Iím not STUPID, but I am entitled to an opinion just as you are sir.
That was an attempt at a rediculous outlandish statement meant to be funny. I liked wake boarding, skiing, and cruising as much as the next fella till my joints gave out on me. Sorry if it didnít come across as humor. My wife has told me Iím the only one that thinks Iím funny. It might just be true.
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Old 04-19-2019, 09:24 PM   #123
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Originally Posted by Rubberdown View Post
That was an attempt at a rediculous outlandish statement meant to be funny. I liked wake boarding, skiing, and cruising as much as the next fella till my joints gave out on me. Sorry if it didnít come across as humor. My wife has told me Iím the only one that thinks Iím funny. It might just be true.


I tend to agree with your wife! LOL



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Old 04-19-2019, 09:47 PM   #124
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Look at and wait for the best used boat you can find. There are some steals out there that are 7-10 yrs old and your down payment would or/almost pay for it.
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Old 04-20-2019, 12:13 AM   #125
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Originally Posted by Buff View Post
I financed my $75,000.00 boat and I would be considered AHEAD by any measure you wanted to use
oh come on Buff ! you been around long enough to know the rules
you cant proclaim a new $ 75 grand mistress and not post a pic of that babe
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Old 04-20-2019, 01:43 AM   #126
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Originally Posted by radar View Post
Attachment 954140

Attachment 954141

i bought this one for 2250.00 off the tbh classified, i put about 900.00 in it. Got it a few weeks ago. Its good enough to run up and down the river in, fly fishing and what not.
wanna sell????
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Old 04-20-2019, 02:05 AM   #127
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Originally Posted by abilliott View Post
Since you give such good money advice I feel obligated to give you a little bit of advice on courtesy.

That statement was very out of line and not very adult like to make such blanket accusations about someone else. We all have difference pocketbooks and circumstances but one thing we all can do no matter what our money situation is be polite.
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Originally Posted by Trevor73402 View Post
Are you referring to me? I have zero credit card debt, my home is paid for/zero mortgage, I own 200 acres of land that I owe zero $$ on, I own 2 brand new 2018 vehicles that owe less than $29K on total combined for both.....and at 1.5% interest rate, Iíll gladly use their money. I wonít even go into investments, liquid assets, etc..... Iím 38yrs old btw....

So.....what were you saying about not getting ahead?
Quote:
Originally Posted by Buff View Post
WOW !!!!
Unless you are joking with a good friend. That was awful rude.
I financed my $75,000.00 boat and I would be considered AHEAD by any measure you wanted to use
Y'all have to consider the source...don't let the miserable cuss get under your skin

Quote:
Originally Posted by MLank View Post
Some of these guys pay "#" thousand a year to lease land. Plus all the costs associated with leases. Granted, they aren't borrowing money to do it, but you are essentially creating a "fish lease" payment by financing the boat. So if fishing and boat playing is what you are into, find the best financing and enjoy. The same as others allocating certain amount of funds per year for their hobby.
MLank beat me to it. Some of the fellas talking about financing a boat probably have a $4-6k lease and spend that much on protein and corn, yet are chastising a man for wanting a boat that could bring him just as much joy as their lease does

OP, if you can afford a decent down payment and plan on using it 25-30 times a year, buy you a boat and get to it ain't none of these fellas working for your money, don't worry too much about what they think. I'd much rather have a boat and not spend money on a hunting lease myself. BUT...I would steer clear of Tracker and Mako personally. If you're wanting a boat to use for fresh water only, you can get a Ranger RT188 aluminum boat for low-mid 20's that is a much better boat than Tracker. Or a Ranger RB190 or Xpress CC for salt for around $27-28k. As for glass boats for salt fishing goes...you're probably gonna have to push your budget up to the low-mid $30's. Those would be Bluewave STL 19', Nauticstar 195, Skeeter Bay SX200, etc. Just my opinion...do what is going to bring you fun and enjoyable times and yes, most of the time you can find a great deal on a boat that is 2-4 years old that wasn't used as often as someone thought it would be. But I won't knock a man for buying new, I'd much rather prefer having a warranty for the first 5-6 years of ownership myself
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Old 04-20-2019, 07:25 AM   #128
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Originally Posted by WhiskeyTango View Post
wanna sell????
No. Could you imagine the drama that would create in TBH.

I bought a boat on TBH classified for 2250.00 and sold it for 3500.00 , peoples heads would explode on here. A feller canít even have a casual conversation on here without a bunch of drama.

Who would have thought a boat finance question would go three pages
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Old 04-20-2019, 07:50 AM   #129
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No. Could you imagine the drama that would create in TBH.

I bought a boat on TBH classified for 2250.00 and sold it for 3500.00 , peoples heads would explode on here. A feller can’t even have a casual conversation on here without a bunch of drama.

Who would have thought a boat finance question would go three pages
Man ain't that the truth... BUT post a hunting related story on here a HUNTING site and it won't go 1 page
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Old 04-20-2019, 08:00 AM   #130
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Man ain't that the truth... BUT post a hunting related story on here a HUNTING site and it won't go 1 page
Iím sitting in a blind with my bow now. Waiting on Mr Tom to stop in. I donít even post anything about hunting anymore. Ainít no one cares, unless the story got some drama they can argue about.
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Old 04-20-2019, 08:10 AM   #131
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Man. Im supposed to sell mine (paid for) when I get back from offshore and get sad every time I think about it. But, when I was home, I realized my trailer tags go out this month and they are still in on the paper they come on and my 2 year boat tags have 1 year left. They are still on the paper. Have not used boat in over a year.

I hope it starts.
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Old 04-21-2019, 05:06 PM   #132
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I posted on this thread when it first started and I want to add something else. Paying cash for a good used boat is never a bad thing. With that being said I have no issues financing a boat, I just have a problem financing the 2 boats originally listed.

I have a nice little boat I bought from a TBHíer and paid cash. That being said I will be upgrading before to long and will mostly be financing the new boat as is will also be a boat I would have no issues getting out from under. I am hoping I can find the boat I want used with low hours for a good price. Thatís my hope anyway.


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Old 04-21-2019, 05:34 PM   #133
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Build one

Name:  DFB604E0-CD5C-439B-8460-05AF26A9A58C.jpeg
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Old 04-21-2019, 06:05 PM   #134
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Do you have a list of materials?
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Old 04-21-2019, 06:16 PM   #135
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Just an internet pic. Not mine
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Old 04-21-2019, 07:16 PM   #136
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Just an internet pic. Not mine
SNAP - would probably work perfect on brokeno pond
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Old 04-22-2019, 12:11 AM   #137
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some people believe that it isn't in your best financial interest to finance a depreciating asset.

Is that non-offensive enough for this thread?

I like boats, but I hate my boat, and it's paid for.

Dang thing never takes me fishing, and I'm pretty ****** about it!
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Old 04-22-2019, 02:13 AM   #138
Mayhem
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Originally Posted by Atfulldraw View Post
some people believe that it isn't in your best financial interest to finance a depreciating asset.

Is that non-offensive enough for this thread?

I like boats, but I hate my boat, and it's paid for.

Dang thing never takes me fishing, and I'm pretty ****** about it!
That's operator error sir. My current rig is paid for and it took me fishing this past weekend.
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Old 04-22-2019, 08:48 AM   #139
Charles
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Originally Posted by Atfulldraw View Post
some people believe that it isn't in your best financial interest to finance a depreciating asset.

Is that non-offensive enough for this thread?

I like boats, but I hate my boat, and it's paid for.

Dang thing never takes me fishing, and I'm pretty ****** about it!
Buying a boat period ain't in your best financial interest. I sure enjoyed mine this past Saturday though.
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Old 04-22-2019, 11:27 AM   #140
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I have a 2016 Tracker Sportsman with customized bowfishing equipment (not what comes factory). I financed it and its been great! I love the boat but I have started getting into another venture and just dont use it much. $26K is payoff and can do note transfer or have title in hand if you want it. Has a 150 mercury 4 stroke. Deck removes easy and make a really nice fishing boat as well.
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Old 04-22-2019, 11:48 AM   #141
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Originally Posted by Mexico View Post
Man ain't that the truth... BUT post a hunting related story on here a HUNTING site and it won't go 1 page
Truth! The times, they're a changin.
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Old 04-24-2019, 08:06 PM   #142
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Originally Posted by Atfulldraw View Post
some people believe that it isn't in your best financial interest to finance a depreciating asset.

Is that non-offensive enough for this thread?

I like boats, but I hate my boat, and it's paid for.

Dang thing never takes me fishing, and I'm pretty ****** about it!
I financed a $60,000.oo Skeeter, I have a deal worked to trade it for a $80,000.00 Nartic Star.

mine takes me to the lake 3 or 4 times a week.
If I figure what I paid for my hunting truck and deer lease. The boat is cheaper entertainment than deer hunting.
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