DH and I recently started boat shopping, and I was just running the numbers in my head, and it never occurred to me to go past 5 years. The boat salesman informed us that most boats are financed between 10 and 15 years . I had a mini heart attack. I know it's not exactly the same as a car, but still it made me wonder. If your vehicle or recreational vehicle is financed, how long? My car is 48 months (crv) and DH truck (ram 1500) is 60 months.