I am in the same boat as you, so to speak when it comes to looking for a new boat. I'm pretty positive that the rates are higher compared to buying a vehicle. I was at the boat show last weekend and was in both the Lund and Alumacraft booths, and looking a couple different boats. For that we were looking at the monthly payments were much higher then I pay for my new truck, which blew my mind. So I have decided to go the used route for now. If you are considering new, shop around at different marinas and find one that will give you the best deal for what you want.