Thanks people, the more I read my post the more I sound like a whiny a$$ bitch. The difference of $2000 on a loan is not a huge difference. Next question if you are still paying attention, age old finance or not? Supra is a boat not many can pay cash for and I struggle with these long term loans. To each and their own I know and I hear things like money comes and goes but memories last a life time, you're dumb if you finance a BOAT for 10-15-20 years. On and on it goes. Money is still fairly cheap at around 4.5% to 5% so are most of you guys putting 10-20% down? Are you trading in equity in an old boat to get that same money down scenario? I think it is smart to put at least 10% down or trade equity of an existing boat for the same. What did you guys do on your first boat? Did anyone jump right into a higher end boat like a Supra new or newer? I generally make smart financial decisions and this definitely feels/qualifies as not smart but I really believe that wake boarding and wake surfing are something that fits my family very well. Like I told my best half, boating wife-boating life. She is all in. Just need to come to terms with a long term payment that we can do but don't love.