Equity inflows into consumer-focused mutual funds improve bank lending positions, affecting how to finance a boat. This week saw $1.2B in inflows to leisure-heavy portfolios, a bullish trigger for lender marketing. Historically, such inflows increase competitive interest rates by 25–40 basis points. Talk with your friend who's out of work, or your niece and her husband who are trying to buy a house in Connecticut, and you won't hear raves about the economy . Personal loans can be used for just about anything, including swimming pools, recreational vehicles and boats. However, their maximum funding amount may be on the lower side and it may not always be enough to cover the entire cost of a boat. There are also some lenders out there who offer loans specifically for boats, so this can be a good place to start, especially if you're buying a more expensive boat. How to finance a boat under current market liquidity benefits from the Fed’s measured approach to balance sheet reduction. Equity indexes staying within 2% of record highs reinforces borrower confidence, while credit default swap prices suggest risk appetite remains healthy, encouraging marine loan issuance.