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Question by : Does anyone know the criteria for an equity loan "cash out" on a boat loan? We will own our yacht free and clear next year. We have heard about loans you can get against your boat to do improvements? Does anyone know how they work? What's the criteria ie. credit score, income? Our boat is a 1961 Chris Craft. How do these loans work? Do you have to supply them with proof of improvements or estimates? I tried contacting a few companies I found online, but of course they won' t reply to your emails. Best answer for Does anyone know the criteria for an equity loan "cash out" on a boat loan?:
Answer by sail4evr1
I don't think any bank will loan against a 48 year old boat. You might be able to get a loan using your boat as collateral if you absolutely don't need the loan in the first place, but just want an interest deduction, meaning you are rich with abundant assets and way more cash than you know what to do with..
