in general, which will usually have a lower interest rate, a boat loan or a personal loan? id rather not go around looking into this a great deal and having my credit pulled like 20 times. ive never had either type of loan so im clueless. thanks

If you have a solid credit rating, look into an unsecured personnal line of credit. This will usually be prime or prime plus with no fees. This is the cheapest money around.

Some times banks have a hard time giving personal loans because they have no collateral. A boat or car loan is easier to get cause they have something to take if you default. But I would do what RW says if you can get approved.

I just recently borrowed money from the bank, since i'm only 19 and didn't have a credit line, the cheapest thing to do was go to the credit union and get a cash advance on a credit card. The rate on the card is only 6% as opposed to the rate on the loan, which was between 12%-15%.

cool, but can you get a cash advance for like 20 grand??