I bought my 2010 Jaguar used from a private party that I found on this site. I spent a few weeks looking for the best terms and rate on a loan for a used boat (i have decent credit but not a ton of cash). no one else could even come close to the deal Bank of America gave me, I was able to do everything online, never set foot in a bank and got a 15 year loan at 5.3% they didnt even require a down payment. They also did all of the boat / trailer transfer and registration paperwork for me.