A thanks to DrifterWA, Twinstar is willing to do what works for me, unfortunally the boat was sold out from under me because of haveing to wait on my bank which would not come through for me, I will become a member at twinstar and get pre approval, and Doctor Rick, the boat was a bayliner 2459, 228 hrs, full electronics, stored indoors since new, looked like it came off the show room floor, The reason i wanted the payments to be carryed out was i didn't want the big monthly payment knowing the majority goes to interest i could pay it off, worst case senario 3 years, and if for some reason with the down payment, could turn around and sell the boat with minimal loss, what works for some doesn't work for all, but thank you all for your opinion, any body have a Bayliner 2459 for sale?????? Doug