Is there any financing for boats with shaky credit if I put a big down payment?

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Is it true on a boat you can not use the toilet in mainland sea?

From experience I can tell you that boat prices are EXTREMELY negotiable. If you have a $$$ for a big down payment, just start offering that cash on boats you like, especially used ones at the back of the marina that are unloved and need a good cleaning. Failing that, prosper.com. Good luck.
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