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Bank Run Warning - Are Your Funds Safe?If you're looking to finance a boat, you have a few options. Here's a look at three and how to determine if one is right for you. Essex Credit, part of BMO Harris Bank N.A., offers boat loans with APRs as low as %. The lender says it only issues boat loans to. Here's what you'll need to apply for an auto/boat/RV loan: � Personal identification with current address � Vehicle details including model year, mileage and VIN.