<prompt> Human: The title says it all. Should I do boat and financing in one place or can I separate them? Never done an installment loan before.  <response>: 2 best days for a boat owner? the day they buy it and the day they sell it. i was at bass pro the other day and boats are not cheap. try your a local credit union first. banks dont normally do loans that smallboat loans are treated like auto loans. its always better to have fianancing done first. 