i also placed a large down payment when i purchased my boat. my boat note was very low and i was able to pay it off early. i say place as much down as you can. keep in mine that the taxes on a boat are also very high. i purchased my boat in Texas with a check from the credit union. i then had to pay state taxes and also had to go to the school board and pay them as well. it was around 2500 just to the school board. i also had to pay the state. good luck bro and give me a call if you need more info.
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