Buying a Used Boat: Financial and Inspection Checklist
A used boat buying checklist helps you compare the boat’s condition, ownership records, and complete cost before you make an offer. The sale price matters, but an overlooked engine problem, damaged trailer, unresolved lien, or large repair can quickly change whether the boat fits your budget. You do not need to know everything about boats to make a careful purchase. ...
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Checking Account vs. Money Market Account
The checking account vs. money market account decision is ultimately about what you need your money to do every day.
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New vs. Used Boat Financing: Which Is Right for You?
Used boat financing can make a pre-owned watercraft more affordable upfront, while financing a new boat may provide newer equipment, fewer immediate maintenance concerns, and manufacturer warranty coverage. Neither option is automatically better for every buyer. The right choice depends on the purchase price, boat condition, expected depreciation, maintenance needs, warranty coverage, and financing available for the particular watercraft. New ...
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Comparing a Credit Union Boat Loan vs. Dealership Financing
A credit union boat loan and dealer financing can both help you purchase a new or used watercraft. The better option depends on the purchase price, Annual Percentage Rate, loan term, monthly payment, incentives, and total borrowing cost available to you. Getting pre-approved through a credit union before visiting a dealership gives you an outside financing offer to compare. You ...
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Boat Loan Rates: What Determines Your Rate?
Boat loan rates can vary from one borrower and watercraft to another. Your available Annual Percentage Rate, commonly called APR, may depend on your creditworthiness, loan amount, repayment term, down payment, and the boat’s age, value, and condition. Understanding these factors can help you compare financing offers and avoid assuming that every advertised rate will apply to every boat or ...
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Boat Loan Calculator: How Much Boat Can You Afford?
A boat loan calculator can help you estimate how the purchase price, down payment, trade-in value, Annual Percentage Rate, and loan term may affect your monthly payment. The payment is only one part of determining how much boat you can afford. You should also plan for insurance, registration, storage, fuel, maintenance, winterization, safety equipment, and accessories. Building a complete budget ...
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Boat Loan Pre-approval: What It Is and Why It Helps
Boat loan pre-approval can help you establish a realistic budget before you visit a dealership or contact a private seller. It gives you an idea of the financing that may be available, so you can compare boats based on the purchase price and total cost instead of focusing only on the monthly payment. You do not need to choose a ...
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PD Summertime Cash Loan Special
Summer expenses can add up fast. Vacation travel, summer camp, childcare, utility bills, home projects, and last-minute plans can all put pressure on your budget. That is why People Driven Credit Union is offering the PD Summertime Cash Loan Special, available June 1, 2026, through July 31, 2026. Eligible members can apply for a fast, short-term Quick Cash option, while ...
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Gas Pump Scam
A gas pump scam reported in Michigan is a good reminder to slow down for a few seconds before pulling away from the pump. Watch for This Gas Pump Scam Before You Drive Away Fraudsters may place a small screw, bolt, or object in the fuel pump handle cradle. This can prevent the pump from fully resetting after a person ...
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PDCU Visa Rewards Driven Credit Card vs. Store Credit Card
When a cashier asks if you want to save a percentage today by opening a store credit card, it can be hard to say no. But before you hand over your information at checkout, it is worth taking a closer look at what you are actually signing up for. The comparison between the PDCU Visa Rewards Driven Credit Card vs. ...
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