6 hours ago, Nice_Bass said:

to beat a dead horse, and also answer a couple of questions.

One, go with the bigger boat and bigger motor.  $1700 financed is nothing to your monthly payment.

I currently have a tracker 175txw for 6 years  different boat, but I regularly take mine on lake of the Ozarks. no issues whatsoever, just learn how to use your boat the right way.

As far as having your wife on the loan it will do you no good if you are already approved.  A cosigner will not improve your rate only help you qualify if your credit or debt ratios are off.  DO go to your local credit union or bank and do not use tracker financing. 

Thanks for the input.  I wish you would have posted yesterday!  I just went through Tracker financial and I couldnt help but laugh when he read me the offered interest rate.  And just for the record I have a good credit score and my debt/income is nothing that would raise a red flag.  Just sucks bc now they ran everything so Im going to wait a week or so and head to my local bank. 

2 hours ago, Allen Der said:

you need to go to a good dealer get actual quotes.  Tracker doesnt haggle on price but every other brand does and you'll likely find that once you start messing around with the Tracker "package" boats, their price advantage starts to disappear.  Go find a Lund or Alumacraft dealer and get some "real" numbers, not some MSRP off a boat builder website

 I went to a dealer to look at the Lund.  Didnt seem to interested in haggling but I am going to go back and give it another shot.  Thanks for the info!

At $12,995, I don't know if you will be able to find a comparable new boat for that price, but there are some wonderful boats out there that are only a year or two old that can beat that price, and any credit union can beat boat manufacturers financing.