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Search: Posts Made By: reclending
Forum: Boat Loans / Extended Warranties 101 11-06-2019, 03:15 PM
Replies: 3
Views: 246
Posted By reclending
Very sorry for your loss. Can't imagine losing...

Very sorry for your loss. Can't imagine losing my wife even after just 32 years (so far). In our business we very often find people that are buying a boat and becoming the third or fourth owner. A...
Forum: Boat Loans / Extended Warranties 101 10-29-2019, 07:57 AM
Replies: 3
Views: 318
Posted By reclending
One thing to check is what the dealer will or is...

One thing to check is what the dealer will or is required to do. Should be on your purchase agreement. Some states are "reciprocating" states. That means that the dealer COULD charge sales tax and...
Forum: General Discussion 09-20-2019, 08:13 AM
Replies: 23
Views: 1,266
Posted By reclending
We have some people in our business using 10 and...

We have some people in our business using 10 and others (like me) still using 7. Our software guy set up the 10 people with a program that makes it look just like 7. That seemed to help ease the...
Forum: General Discussion 09-20-2019, 07:32 AM
Replies: 17
Views: 1,204
Posted By reclending
I spent a bunch of years in the trailer business...

I spent a bunch of years in the trailer business and utility/snowmobile trailers were a part of that. By the time you get done chasing, cutting, drilling and fabricating, trading trailers will end...
Forum: Boat Loans / Extended Warranties 101 04-09-2019, 08:01 AM
Replies: 0
Views: 1,170
Posted By reclending
Buying from out of state? (sorry a bit long)

Buyers today are driving SEVERAL hours to find just the right boat. We have been involved with buyers from TX driving to NY and MI guys driving to AL and FL to pick up their dream from private...
Forum: Boat Loans / Extended Warranties 101 02-08-2019, 08:02 AM
Replies: 0
Views: 1,014
Posted By reclending
Boat re power and finance

This is a question and answer from another forum we have a thread on. Thought it could be helpful. Question first, then my answer. Trying to post some things about financing to spur some...
Forum: Boat Loans / Extended Warranties 101 01-10-2019, 08:58 AM
Replies: 0
Views: 733
Posted By reclending
Question about Credit Life

Below is a question that was posted to us on another forum. Thought it could be helpful here.

Everything I have purchased through my credit union, I always get life/disability on the loan. Do any...
Forum: Boat Loans / Extended Warranties 101 01-08-2019, 11:57 AM
Replies: 8
Views: 1,382
Posted By reclending
"to say they don't know the difference between...

"to say they don't know the difference between dry weight and GVWR would be like saying the majority of the people in your business don't understand the difference between simple vs compound...
Forum: Boat Loans / Extended Warranties 101 01-07-2019, 01:30 PM
Replies: 8
Views: 1,382
Posted By reclending
The frustration really comes in when you get...

The frustration really comes in when you get different answers on the same rule, from different people in the same office. The average State of County worker does not understand dry weight VS GVWR. ...
Forum: Boat Loans / Extended Warranties 101 01-03-2019, 01:58 PM
Replies: 0
Views: 754
Posted By reclending
Selling your boat ???????

Thinking of selling your boat? Here are a couple things that will make your buyers (and finance companies) happy.

1. Take good clear VIN plate pictures of the boat, motor and trailer. Sometimes...
Forum: Boat Loans / Extended Warranties 101 12-18-2018, 06:45 AM
Replies: 8
Views: 1,382
Posted By reclending
We work with buyers and sellers in different...

We work with buyers and sellers in different states all the time. We have a very proven process to be sure sellers have the needed ownership docs, check for liens and handle the state work for the...
Forum: Boat Loans / Extended Warranties 101 06-04-2018, 09:31 AM
Replies: 1
Views: 1,472
Posted By reclending
Best month ever - thank you wc

THANK YOU to our WC family!!! The final numbers are in for May and we had a record month. We closed 152 loans and a nice amount of them were for our family at WC. That is up from our previous high of...
Forum: General Discussion 05-11-2018, 07:16 AM
Replies: 68
Views: 8,012
Posted By reclending
All that happened and you get a ticket for $228...

All that happened and you get a ticket for $228 and complain? Seems cheep to me. Especially when you add in all the "could'a, would's, should'a" really bad things that could have happened.
...
Forum: Boat Loans / Extended Warranties 101 04-12-2018, 09:58 AM
Replies: 27
Views: 25,459
Posted By reclending
Boat loans and auto loans are most often...

Boat loans and auto loans are most often different. Most lenders we work with have no difference with used. Others will have a slight bump at about 10 model years. Even then, the difference is not...
Forum: Boat Loans / Extended Warranties 101 02-12-2018, 08:59 AM
Replies: 2
Views: 2,667
Posted By reclending
Thank you for the note and nice comments. We...

Thank you for the note and nice comments. We have a great group of people here who work hard on every deal. Thank you for allowing us to help. Enjoy the new ride and we hope your live wells are...
Forum: Boat Loans / Extended Warranties 101 02-12-2018, 08:52 AM
Replies: 28
Views: 8,825
Posted By reclending
Most recreation loans in today's market are...

Most recreation loans in today's market are "simple interest". That means interest is charged on the unpaid balance. Anything additional over your minimum payment amount comes off the principle. ...
Forum: Boat Loans / Extended Warranties 101 01-09-2018, 02:07 PM
Replies: 10
Views: 9,415
Posted By reclending
As with any and all loans, no one answer is best...

As with any and all loans, no one answer is best for all people. Lets just say you have value to draw from your home. Now when you add the price of a boat to that amount, you could be paying...
Forum: Boat Loans / Extended Warranties 101 12-11-2017, 08:05 AM
Replies: 5
Views: 3,227
Posted By reclending
We are not seeing anything in that rate number. ...

We are not seeing anything in that rate number. The other thing to remember with CU's is that most have some sort of footprint. There are a few national ones, but not many.
Let us know if we can...
Forum: Boat Loans / Extended Warranties 101 12-07-2017, 01:26 PM
Replies: 0
Views: 1,236
Posted By reclending
Soft Credit Pulls.

We have always had the option to do a "soft credit pull" in selected cases. This allows us to look at a credit bureau for an estimate with no mark on the customers bureau. The old system was a bit...
Forum: Boat Loans / Extended Warranties 101 11-27-2017, 11:16 AM
Replies: 0
Views: 959
Posted By reclending
Thumbs up Been a while

I have not checked this thread for a while. No excuse other than just got out of the habit. We work with several lenders and boat loans are all we do.
Let us know if we can help.
Thank you,
Ken...
Forum: Boat Loans / Extended Warranties 101 11-27-2017, 11:14 AM
Replies: 10
Views: 9,415
Posted By reclending
We have options for your area. Let me know if we...

We have options for your area. Let me know if we can help.
Thank you,
Ken
(517) 543-6921
Forum: Boat Loans / Extended Warranties 101 04-21-2016, 07:06 AM
Replies: 0
Views: 3,197
Posted By reclending
Contact info

Good morning,
I must admit I have not followed this thread much this season. We started running very hard during the early show months and have not slowed down at all. I will try to do a better...
Forum: Boat Loans / Extended Warranties 101 09-24-2015, 03:20 PM
Replies: 3
Views: 6,930
Posted By reclending
The main part in borrowing money for anything is...

The main part in borrowing money for anything is to be sure it's a "simple interest" loan. That way additional money paid in applies to the loan balance. Interest is charged on the unpaid balance...
Forum: Boat Loans / Extended Warranties 101 01-30-2015, 02:37 PM
Replies: 27
Views: 25,459
Posted By reclending
We are seeing some new boat rates at the 5% area...

We are seeing some new boat rates at the 5% area and a few below. That means good credit, good down payment and nice clean history. We do have options for all ranges of buyers.
Let us know if we...
Forum: Boat Loans / Extended Warranties 101 01-15-2015, 02:15 PM
Replies: 10
Views: 11,467
Posted By reclending
After ten years it does drop off a bit. We do...

After ten years it does drop off a bit. We do have options with a couple lenders that offer more. It helps if the boat books good and you have better than average credit. The concern lenders have...
Showing results 1 to 25 of 81

 
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