They are similar to loans for recreational vehicles, ie, motor homes, trailers, and 5th wheels. They are considered luxury items and loans on them may carry a higher interest rate...or not, depending on your financial situation and how much you would be able to put down. Google "essex loans boats" and you'll see one of the better sources for getting such a loan. Essex works with Bank of the West, so if there is one near you, you could probably go directly through Bank of the West for a boat loan at a reasonable interest rate. Essex is very good and easy to work with, they are who I financed my trailer through when I bought it. You could call and talk to them, just ask them your specific questions. You'll get straight answers from them.
At the time I bought my trailer, Essex used the Auto score and they pulled all 3 bureaus. They may or may not be doing this still. My scores at that time were in the 720-740 range, IIRC.
