Yamaha finance is pretty good i think, Not a outboard but my nephew got a new bike on finance thru Yamaha than his boss decided to be a spiteful p... and sack him because the boss made his son pay for everything with cash up front and strictly no finance, after he lost his job he missed a few payments than Yamaha offered him a 2 month no repayment hardship offer to get back on his feet he shortly after got another job but he had to catch up on those missed payments, the bike was just bought outright and all finances paid