Guide to Buying the Right Boat for Your Lifestyle by Bad Credit Loans 4 You

Oct. 21, 2010 - PRLog -- There are around 40 different types of boat available to buy; the exciting part is choosing which one best suits your lifestyle choice.

Whether you are buying the boat outright or requiring bad credit boat loans http://www.bad-credit-loans-4-you.co.uk/bad-credit-boat-loans.html to complete your purchase, its essential that you know what you are getting.

We’ve put together a mini guide of each main category of boat and its uses, so you can make sure your choice is the right one.

Inland Boats
Canal & Narrowboats

These are usually built of steel, so the hulls normally last a lifetime if they are looked after and are particularly resistant to damage which may be caused by hesitant helmsmanship!

Both boats are ideal for gently pottering along peacefully along canals and rivers at around 4mph, something which people do for days or weeks at a time making a lovely holiday calling in for lunch at pubs along the way etc.

They have low maintenance costs and are very economic on fuel so you won’t need bad credit boat loans to keep up with the running costs.

Most also include home comforts such as cooking facilities, heating, hot water, showers, toilets and enough power to operate televisions, computers and other electrical equipment.

Narrowboats also have the advantage of incurring one of the lowest depreciation rates of all boat types.

River Boats

They are built of Glass Reinforced Plastic which makes them lighter than their steel counterparts.

River Boats are normally more powerful, but at the same time are more stable than narrowboats, so can be used comfortably in tidal rivers

It is also possible to venture out to see on a River Boat, but is only recommended in calm conditions.

River Boats are more expensive to operate and maintain than narrowboats and this should be taken into consideration if you are applying for boat loans for people with bad credit.

The flexibility of use, easier steering and control in both strong tides and choppy river water makes them a popular choice those who like a variety of boating adventures.

Sea Going Boats
Bowriders, Dinghys, Dorys and Ribs

These craft are comfortable in both calm and light seas and can also be used for pleasure cruises up rivers and in natural enclosed waters.

Along the South Coast, Poole, Chichester and Portsmouth all have harbours which would be ideal for cruising.

Bowriders, Dinghys, Dorys and Ribs offer the ultimate choice of flexibility for power, speed, manoeuvrability and accessibility to land, coves and beaches, but are not suitable for staying overnight on.

They are mainly powered by petrol-engine outboard motors which increase their running costs, making them ideal for short excursions and taking advantage of their speed to gain distance.

Spending the day in a remote cove or beach, picnicking, swimming, fishing or socialising makes ideal use of their advantages.

Cuddy Boats

These are very similar to Bowriders, Dinghys, Dorys and Ribs as they are powered in the same way, but have the added benefit of a 'cuddy' or small cabin.

This usually comprises of a convertible bed, toilet and basic cooking facilities, which makes them ideal for an overnight stay or long weekend.

Speedboats, Sports Boats and Sport Fishers

These high powered, high speed boats are excellent for riding waves out at sea, but are not suited for river use because of the wash they tend to produce.

They help deliver the thrills and spills of water sports like water skiing, wakeboarding, chasing fish or simply bringing the excitement of speed.

They're powered by heavyweight outboard, inboard, or water jet engines and are known for consuming vast amounts of fuel in very short time frames.

Petrol engines are more expensive to run than diesel and would more than likely need bad credit boat loans to help cover the costs of a good summer, but those who own them consider it worth well worth the extra money.

Motor Boats and Motor Sailers

These are the more popular motor boats built for the sea instead of the river and are typically the power boats you would find moored in every marina on coastline of the UK.

They can generally be split into five categories:

Planing Boats

These boats are specifically designed to rise up and ride on top of the water, ideally operating between 25 and 40 knots which enable it to move across the tops of the waves.

These boats are ideal to move quickly between marinas and have the facilities which enable you to stay on them overnight.

They are excellent for day use, whether you find a calm bay to drop anchor and have a quiet lunch on a nearby beach or for a visit on land using a small on-board dinghy.

Displacement Boats

They are designed to glide through the water at leisurely speeds, the hull design moves the water sideways and down, out of the way.

Its one of the most stable boat designs, so creates a comfortable ride both in moderate and rough seas, but only travel slowly at up to 10-12 knots.

The fuel economy is very good and enables you to travel a long way, with most designed for not just overnight stays but also 'liveaboard' use.

They are expensive boats to buy and it would have to be an old model boat, possibly in need of refurbishment to find one that would not need the help of bad credit boat loans to get you started.

Semi-displacement Boats

These boats fall between the planing and displacement boats as they are designed to operate at low speeds (10-12 knots), but are capable of operating at higher speeds (18-25 knots) when on the plane.

One of the benefits of this type of boat is that they are often designed for both river and offshore use.

They have smaller drafts and tend to produce less wash than displacement boats but are expensive to buy.

Multihull Boats

More commonly known as catamarans (two hulls) or trimarans (three hulls), this type of boat is exceptionally stable at sea and often provides good accommodation whilst powered by motor or by sail.

Marina charges need to be taken into account when looking for bad credit boat loans to help finance your purchase as their extra hull means they are often one and a half times the price of a single hull (monohull) boat of the same length.

Sailing Yachts

Sailing Yachts are designed to acquire their power from the wind with the use of sails, but frequently have a small engine as a backup when the sea is calm or to help navigate rivers, harbours or marinas.

Although there are many different types of sailing boat, they each provide a serene, relaxing, awe-inspiring and economic experience on the water.

Unlike the other boat types, you will need to be able to sail and should be prepared to travel slowly.

Sailing requires you to have knowledge of the elements requires careful planning of your journeys so that you don't get caught out by the weather and tidal gates.

But for those who enjoy sailing, this is all part of the fun and challenge of the sport.

Some Sailing Yachts are available at good prices because of their main lack of engine and extra parts.

What ever boat is for you our wish for you is “Enjoy”

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For help call 0800 011 4503 or visit
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Bad Credit Loans 4 You was formed in April 2010, bringing together a team of specialists that together offers over 50 years of expertise to help applicants gain the unsecured loans they need.

From its UK head office in Monks Brook, Loans 4 You operates across Britain, sourcing loans for people with bad credit.

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