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The <b>Annual Percentage Rate (APR)</b> presented here is an estimated annual cost of the loan, encompassing various charges and fees. This estimate may vary based on individual credit history, type and age of collateral, loan term, loan amount, loan-to-value ratio, registration type (e.g., LLC), and state of residence. Actual rates and terms are subject to change without prior notice and may differ depending on the credit reporting agency.<br><br><b>Monthly Payment:</b> For instance, a $50,000 loan for a boat for recreational use over a 15-year term at a fixed rate of 4.75% would result in an estimated APR of 4.75% and 180 monthly payments of approximately $388.89.<br><br><b>Yearly Payment:</b> Alternatively, the same loan amount and term at the same rate would result in yearly payments of approximately $4,666.68.<br><br>Please consult with a financial advisor for precise loan details tailored to your situation.