<prompt> Human: Good afternoon. I was hoping I could get a little advice here from you guys, maybe even find someone in a similar situation who has done what Im trying to do. Long story short, I make a lot of money and can afford nice things, but due to troubles in the past, I dont have good credit. I want to finance a boat, probably around 30,000 and I was wondering what my options may be. I am the general manager of a car dealership so I have an excellent understanding of finance, what I am asking for, is if there are sub-prime lenders for watercraft, and if so, where can I find them? Are they offered by the dealer, or would I be better off finding my own financing?  <response>: My advice is dont do it. Youre going to get royally fucked with interest with a Bad Credit Boat Loan. SeaDream and the like would probably approve you, but its simply not worth it. 15-19 subprime rates in the mid 600s. Its not worth it. Save up and by used if you need one. 