Cruising World - February 2016

DIVE IN TO A

LOW-INTEREST

BOAT LOAN.

Member FDIC. Equal Housing Lender. © 2016 Bank of the West. NMLS ID# 19116.

*Estimated APR (Annual Percentage Rate). Subject to consumer loan program requirements and credit approval. Certain fees, closing costs, and restrictions may ap-

ply. APR applied to the loan is the APR in effect on the date the application is received and is valid until 30 days after the loan is approved. APRs may vary with loan

term. Boat must be 1996 model year or newer; for boat model year 1996 to 2005, add .25% to above rate. Maximum loan term based on model year, loan amount,

loan type, and lender guidelines. Other rates with different loan terms are available. Example of a recreational use Boat loan: A 10 year fixed-rate $55,000 loan.

Based on an APR of 4.35%, this loan has 120 monthly payments of $566.04 each.

Photo courtesy of Sunsail and Randy Lincks.

Essex Credit, a division of Bank of the West,

has affordable boat loan options that can

help you get out on the water quickly. Our

experienced consultants make getting

your loan easy and stress-free, so you can

look forward to what’s really important

— enjoying your boat. Changing market

Loan Amount APR* as low as Refinance

—

New or Used Purchase

From a Dealer or Individual Seller

—

Purchase Locally or Cross-Country

$50,000+

$25,000–$49,999

NEW - USED - REFINANCE

take advantage of our low APRs.

Apply online today.

http://www.essexcredit.com/cw

(866) 377-3948

conditions can affect rates, so act now to

WE ALSO OFFER: Live-Aboard fi nancing I Loans for older boats (1919–1995) I Loans for part- and full-time charters

APR is fixed for the life of the loan. Lower rates with shorter loan terms are also

available. Rates are accurate as of December 22, 2015. See our website for

current rates and terms for financing Live-Aboards, older boats and loan

amounts below $25,000.

4.35%

5.29%