Nice boat, works good. The baffles are broken on the inside of the pontoon. If you hit a big wave at full speed you will hear a bong. Outside of that, it’s a great boat. Yes there is a loan on it. I own the trailer outright. The trailer is a 2021 load rite. 5hey7hey0hey2hey6hey6hey6hey1hey3hey8. I am free anytime to go to the bank to get you a title. There’s probably around 300 hours on the motor. Bluetooth radio, new sonar fish finder last year. Underskinned. A lot more to go with it depending on price.