I want to take a loan for a boat with a credit score of 682??

Yes Jason you can ge the loan. Based on my experience this payment will be about $1000 a month. With your income your should probably p unless you plan to live on the thing. I grew up in a boating family and my dad had a saying. "All a boat is, is a hole in the water you pour all your money into." Consider the price of gas, upkeep, acessories and insurance and this becomes a poor investment at this time. Consider a smaller boat or wait untill it is less of a drain on your income. Good Luck!