Yachting USA — March 2018

Refnance

—

New or Used Purchase

From a Dealer or Individual Seller

—

Purchase Locally or Cross-Country

4.12%

4.79%

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 conditions can

affect rates, so act now to take advantage of

our low APRs.

Apply online today.

http://www.essexcredit.com/yht

(866) 377-3948

Loan Amount APR* as low as

$50,000+

$25,000–$49,999

Dive in to a

low-interest low-interest

boat loan.boat loan.

NEW - USED - REFINANCE

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

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 1998 model year or newer; for boat model year 1998 to 2007, add .25% to above rate. Maximum loan amount is calculated using an advance percentage

determined by FICO score and multiplied by NADA base wholesale value with adds; if not listed in NADA, then multiplied by 80% of BUC low retail value. Maximum loan

term based on loan amount. Other rates with different loan terms are available. Example of a recreational use Boat loan: A 10 year fixed-rate $65,000 loan. Based on an

APR of 4.79%, this loan has 120 monthly payments of $682.77 each.

WE ALSO OFFER: Live-Aboard financing I Loans for part- and full-time charters

APR is fixed for the life of the loan. Other rates and loan terms available. Rates are

accurate as of January 23, 2018. See our website for current rates and terms, as

well as financing for Live-Aboards and loan amounts below $25,000.

Member FDIC. Equal Housing Lender. © 2018 Bank of the West. NMLS ID# 19116.

New or Used Purchase

From a Dealer or Individual Seller

—

Purchase Locally or Cross-Country

—

Refinance

4.79%

5.39%