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S. Kia Finance America, formerly Kia Motors Finance, is the lending division of the automaker that offers financing options for new and used Kia vehicles. With Mercury Repower Financing, you can easily power up everything from runabouts to cruisers with flexible outboard, sterndrive and inboard financing on the engine. Look at different boat loans on the market. Tell us your favorite place to ride your Yamaha. A boat engine loan works like any other boat loan but is aimed specifically at those who are only interested in buying boat motors. The approach we take to lending is tailored to your individual financial situation, so let us help you find the best loan for your circumstances. Whether you’re fishing, leisurely cruising or diving, a well-functioning outboard motor can make all the difference in ensuring a successful and enjoyable outing on the water. We serve people across the 48 contiguous states and Alaska, and we want to work with you. 4. Poplar Point Marine. Here is all that you need to do. APPLY NOWInformation from an expert: If you are experiencing issues with your outboard motor, it could be a sign of a bad rectifier. Life’s better on a boat! If you love the seafaring life or enjoy the thrill of a jet ski, talk to Finance One about a loan for a jet ski or boat. * Consumer / Personal / Household Use. Tailored boat loan solutions. LightStream Boat Loan. -Down payments range between 0-20% based on your individual credit report and finance amount (packages valuing $100k+ prior to taxes and additonal fees have a minimum 15% down requirement)This pre-qualification conducts a soft credit check and has no impact on your credit score. 95% based on credit factors. com finds easy-to-acquire loans ranging in amounts from $500 to $10,000. A leader in Honda Marine financing for boat packages and Honda outboard motors. Boat Finance's division Outboard Capital offers industry exclusive Outboard Motor Financing for customers with credit scores above a 580. Dealers arrange boat financing on a daily basis. New. Loans for Products, Electronics, Service and Other. August 20, 2021 -- Yamaha Motor Financial Services today announced the launch of their new consumer facing website providing existing customers with easy online access to their accounts as well as providing financial resources for prospective Yamaha buyers. Motofunds are an accessible option for a motorcycle loan with bad credit in the US. 28% on RV loans across all our partners. 61 payment with a total finance. If you already have an RV or boat loan with another lender, we can help you save!If a trailer and/or outboard engine will be included in the sale of the loan, you will also need to provide the information below during your application: Trailers and Engines Trailer VIN Year Make Length Number of Axles Outboard Engine Information (Not required for inboard/jet engines) Outboard Engine Serial Number(s) Outboard Engine HourUpgrade your rig today with Mercury Motors repower rebates. We serve people across the 48 contiguous states and Alaska, and we want to work with you. Fishing boat. But be aware that boat loans typically carry higher interest rates than home or. For a typical 150HP outboard, you’ll likely pay a mechanic between $160-$190 for an oil change when you factor in supplies and labor. Contact Us. Motors made from lightweight and durable materials, such as aluminum alloys, may be more expensive than those made from traditional materials. If you don’t know your credit score, you can check your credit report for. More Electronics and Extras: In addition to financing your boat, a marine lender will allow you to finance optional equipment,. This. Our partnership with Honda, offers competitive interest rates and flexible terms for Honda Marine. 6555 Katella Ave, Cypress, CA 90630-5101. Choice of loan terms — Up to 84 months. Our Power Comes from our Customers. • Fixed monthly payments. Flexible financing with attractive promotional rates as low as 5. this gives us access to low rates. Oct 22, 2013. So whether your boat engine’s broken or an essential piece of equipment has gone overboard, you won’t be a sitting duck for long! In many cases, we’re able to pay out the funds on the same day. Don’t Let Bad Credit Get In the Way of Your Family Adventure. There are thousands of traditional banks, credit unions and nonbank online lenders that give a range of their auto loan interest rates on their websites. We offer financing with PayPal Credit. Not all buyers will qualify. 5. A bad credit score can make it difficult to qualify for a boat loan and, even if you do qualify, you may be stuck with high interest rates. Financing is. phoenixIf you've decided you want to finance your new boat, outboard, motor, or PWC, you're not alone. PenFed Credit Union is a great choice to get a private party auto loan. Bank. As low as $49/mo*. Suzuki Marine is here to help. FedEx Employees Credit Association will loan up to 100% of a new motorized RV’s purchase price in addition to license and tax and title fees. Maximum loan amounts apply and are subject to change without notice. 39%. Shop around different lenders to find a loan that matches your needs. Most lenders will ask for at least 10% of the loan amount. Marietta, GA 30066. [ad_1] How to Tune up an Outboard Motor: A Comprehensive Guide. Rate advertised is based on minimum bureau risk score of 660. 9. While LendingPoint doesn’t have the lowest APRs, interest rates start at a. 4-strokes tend to be quieter and more fuel-efficient,. 99% APR financing for 24 – 72 months, available to customers who qualify for AHFC credit tier 1. LendingPoint is the best installment loan provider for people with bad-to-fair credit because its minimum credit score requirement is one of the lowest among major lenders, at 600. If you do not receive the updated letter by January 31, 2020, please contact us at 1-888-787-5565 or Yamaha@acct-admin. 99% to 16. Mercury Outboards – Durable. Boat Stuf is proud to offer competitive financing options. Calculate the down payment amount you can afford. Motorsports Customer Relations - (800) 962-7926. Best for no-interest loans: Earnin. When you apply for a Suzuki Finance product, a decision can usually be provided within four–business hours. From Controls and flush kits to gauge sets, harnesses and propellers, we have the parts and accessories you. Make on-time payments to build credit. This is typically your fastest option, but you might be able to find a more competitive. Higher rates may apply for buyers with marginal credit. with Fundera by NerdWallet. 58 per month per $1,000 financed regardless of down payment. Not all buyers will qualify. Fax: 727-938-0664. The best RV loan rate we found was 6. Mortgage Rates Widget Placeholder. Financing. Up to 144 Months. Actual rate and term can vary depending on credit history, collateral type, age of collateral, loan amount, loan term, loan to value, vessel registration type (LLC/Trust), state of residency and other criteria. CYPRESS, California - Yamaha Motor Finance Corporation, USA, (YMFUS) today announced it has launched an all-new full spectrum installment loan program that is available through all Yamaha powersports and marine dealers starting December 2, 2019. Sell your Boat fast online today, read our in-depth boating guides & more! Repower Finance Done The Right Way. If you are a former Synchrony customer, your new account number is the same as your older account. Lisa C. Source: Experian 2020 Q1 data, published on August 16, 2020 Across the industry, on average automotive dealers make more money selling loans at inflated rates than they make from selling cars. S. Payment Options. E. Great Boat Buying Experience! Wayne. ) is designed and administered by Yamaha just for Yamaha owners like you. Protection Products. From Controls and flush kits to gauge sets, harnesses and propellers, we have the parts and accessories you require. Loan pre-approval, so your financing is good to go before you buy*. It is one of. SeaDream also offers sub-prime boat financing programs, which allows you to re-establish / rebuild your credit rating while enjoying the fun boating lifestyle. 8 Best hp outboard motor financing bad credit in Australia . 3 to 72 Months. Reliability and Durability: When investing in an outboard motor, you want to ensure it will last for years to come. Southeast Financial is an online marketplace with a minimum credit requirement of just 575, so even bad-credit borrowers can qualify. San Antonio, TX 78254. American Honda Finance Corporation, also known as Honda or Acura Financial Services, helps you manage your finance account online, at your convenience. Refinance your current loan and save; Competitive rates; Variety of terms (based on amount borrowed) Affordable monthly payments. 6. Apply Now. This is how buying a car with bad credit or no credit works: Step 1: Visit the BHPH Lot Customers who want to buy a car with bad credit can approach dealers who offer this service directly. Short answer: Outboard motor financing online Outboard motor financing can be easily accessed online, offering quick and hassle-free financing solutions for those looking to purchase a new or used outboard motor. 00. 50%),. Our boat financing programs serve various types of credit situations, whether you have a score as high as 800 or as low as 550. Suzuki Motor USA, LLC is not responsible for the content presented by any independent Suzuki dealer, including advertising claims, special offers, illustrations, names or endorsements. Carefully remove the cover and disconnect any electrical. Short answer: Outboard motor manufacturers There are several outboard motor manufacturers including Yamaha, Mercury, Evinrude, Honda, Suzuki, Tohatsu and Nissan. Even with its 4. com. Featuring the latest advancements in marine technology, a new Mercury engine is going to be more intuitive and easier to operate than a prior generation engine – and a whole lot more fun. AUTHORIZED PARTNER. Fill out an application today to get started, and contact us if you have more questions. For many owners, the temptation to go up in power becomes part of the repower decision. Most of us keep credit cards we don’t need, and you may even have an overdraft you could easily pay off if you put your mind to it. We can help you upgrade your outboard motor or boat engine with a hassle-free loan so you can get back out on the water as soon as possible. Loan term affects both your interest rate and monthly payment – when the term is longer, monthly payment is lower. If you have excellent credit, you should expect to put down at least $7,000. 49% APR for buyers with excellent credit and can range as high as 17. LightStream: Best for Motorcycle loans with low rates. e. Plus, certain terms will have certain rates available. Best Debt Consolidation Loans for Bad Credit. S. Honda Financial Services Auto Loan Disclosure : "Not all buyers may qualify. Be. 99% . One example is Mercury Repower Financing, which offers financing programs for both outboard (and sterndrive and inboard repowers) from $5,000 to $50,000. For example, if the loan were for $13,500 for 120 months at 8. LightStream’s personal loans offer a wide range of loan amounts and repayment options, in addition to a low interest rate cap of 24. We are a leader in Tohatsu financing offering competitive rates and flexible loan terms for Tohatsu outboard engines and boat packages. Some lenders specialize in subprime lending and can offer flexible repayment terms. Get the lowest APR rates by comparing over 20 banks, same day approvals, and funding as fast as 24 hours! This pre-qualification conducts a soft credit check and has no impact on your credit score. 5. Welcome to Sheffield Financial. Ask about Y. 29%. However, if you’re having trouble qualifying for a. My Financing USA can help you get a boat loan whether you have bad credit or good credit. Plus, its relatively. • Simple and quick application process. Honda Marine offers a wide variety of accessories for our engines. Power Surge. Step 5: Choke or Enrichment If your outboard motor is equipped with a choke or enrichment system, engage it. Experience the power of choice. Note: The answer would be yes if the lessee purchased the leased vehicle, paid sales tax on the purchase to the leasing company, titled it in the lessee’s name, and then traded it in on the purchase of a new motor vehicle. We offer financing options for Honda and Acura automobiles, motorcycles, ATVs, power equipment and marine out-boards through Honda dealers across Canada. Fill out an application right now to get started. It is a lender-matching service that can quickly find you an unsecured personal loan of up to $5,000 despite a bad credit profile. A bad credit score is under 580 for FICO or 600 for VantageScore. You can prequalify for a loan by completing a short loan request form. It only takes five minutes to fill out our application. Blank Application. Just enter the credit or debit card details of your choice and make automatic payments every two weeks. Boat Refinance Rate and Term. Snap Finance goes where you go. The best way to increase your chances of approval for boat finance when you have bad credit is to apply to a lender who specialises in boat financing for bad credit — like Finance One. As a credit representative of a reputed finance company, we can secure competitive finance rates for you on a new motor, without you. KENNESAW GA – November 15, 2023 – Yamaha continues as the official outboard of Conch Republic Marine Army (CRMA), powering the organization’s second clean-up boat with a Yamaha 225-horsepower outboard through a renewed Yamaha Rightwaters™ sponsorship. Plus, our boat loan calculator can help you plan your purchase by estimating monthly payments. Simply enter the loan amount, term and interest rate in the fields below and click calculate. com or call him at. General Motors secured a new $6 billion line of credit as the automaker braces for additional strikes by the United Auto Workers union. Aussie Boat Loans believe that all people. Y. Applying for Yamaha Factory Financing is Easy When it comes to financing your next Yamaha ATV, Side by Side, or Outboard is as easy as 1-2-3 Yamaha financing is a great option for a new ATV, Side by Side, or Outboard. Another benefit of financing through Boat Stuf is that it is a one stop shop. Apply in person, by phone or online. *APR=Annual Percentage Rate. Business Started: 5/28/1987. Injector with two needles. $0. 2024 Minneapolis Boat Show. This could be a freshwater or saltwater boat with an inboard or outboard motor. The lender. To find the best loans for bad credit, we researched more than 70 lenders and evaluated them in four key areas: Costs and Fees (29. Thanks to its partnerships with many of the best national and regional lenders across the country, WRFS financing specialists can help you obtain the right loan, quickly and easily. Boat Refinance Rate and Term. At fixed rates with terms up to 96 months and up to 75% financing, we can loan you what you need to get on the water - new or used personal watercraft, boats, boat motors, and trailers. Save 3 ¢ per litre on gas at Petro-Canada †, plus earn 20% more points when you link your Petro-Points card to any eligible RBC debit or credit card. U. Vessel (Watercraft) and Outboard Motor . 40 hp does great for 8 hours of break-in time. Black Friday Deal. Plus, certain terms will have certain rates available. It offers a rent-to-own program with bi-weekly installments of as little as $35 for a powered push mower or $95 for a riding mower. Loans For Car Repair. Suzuki Motor of America, Inc. APRs vary based on borrowed amount, credit history and loan term. Financing for 84- and 120-month terms requires financed amount of. As you know, the cost of repairs can be quite significant. Ocean, lake, or river — we'll get you going with the flow. BAD CREDIT BOAT LOANS We search for the best boat financing programs for all credit types. See Your Loan Options. Plus, certain terms will have certain rates available. If you’re applying for a loan less than $25,000, click here to apply online. 75/ 90/ 115 $500. Program minimum amount financed is $1,500; Maximum Amount Financed $75,000. Fill Out an Application With My Financing USA Today. One option is LightStream, which has boat loans that start at 8. APR range: 7. No credit check. Jordan Davis, Business Manager. Construction Material: The materials used in the construction of the outboard motor also contribute to its cost. Based on the average use of 200 hours per year, this will last 7-8 years. Excellent. New and Pre-Owned Boat Financing Boat Loan Refinancing Extended Service Contracts Prepaid Maintenance Programs GAP Insurance Finish Protection Credit Repair Counseling Outboard Motor Loans Boat Engine Financing. 99% for 20 years!!! Contact us for more details! MONDAY - FRIDAY: 8:30AM - 5:30PM SAT: 8:30AM - 2:00PM; 1640 ROANE STATE HWY. Total cost of credit being £2,487. This saving and quality service is then passed on to customers. I purchased a new Ranger Boat in 2018 that came with a Mercury 4 stroke 150 hp. Aussie Boat Loans provide competitive fixed rate boat loans for new and used vessels with. That's Lending Uncomplicated. Second Chance Boat Finance. Personal watercraft 72 months maximum. Discover premium outboard motors with flexible financing solutions at Abunda. Apply online today to get fast and easy approval on a boat loan. You'll also love that our motorcycle, ATV, and side by side financing process, It is as easy as it gets with interest rates as low as APR of 2. Each loan we offer has a fixed rate, so you. Personal loan. At Honda Financial Services, our goal is to always. Commercial Only refers to a plan that is only available for an applicant using the. Suncoast boat loans for financing boats, motors, trailers and personal watercraft. The agreement, announced on Tuesday (Sept. every in stock outboard motor on sale 4 hp to 40 hp 4 hp $1899 sale $1769 6hp $2169 sale $1999 9. BBB File Opened: 11/13/2017. They search many banks that specialize specifically in marine financing, getting the best possible rates due to their volume. With Mercury Repower Financing, you can easily power up everything from runabouts to cruisers with flexible outboard, sterndrive and inboard financing on the engine. Lisa C. We've been helping Australians beat the banks on boat finance for over 30 years. RideNow offers financing on all of. so if you wants to finance dirt bike plus others vehicle then choose the motor sport loan for very first. We serve people across the 48 contiguous states and Alaska, and we want to. Minimum and maximum loan amounts vary by lender. 99%. HHH Quantum150 TITAN150 Street Legal Scooter Fully Automatic Street Scoo. GOOD AND BAD CREDIT FINANCING AVAILABLE!! GET PRE APPROVED AND SHOP FOR YOUR OWN UNIT!! Go to npfinancing. Get started today with our easy. What boat insurance will pay for. With your financing already settled, you can have more fun shopping and focus on getting the right RV or boat at the right price. Keep in mind that your credit will also likely affect how much you can borrow. S. 22 FT Boats. Effective November 15, the way Yamaha Installment customers access their account has changed. Save time and effort by financing your total Boat-Motor-Trailer purchase including electronics and accessories in the one finance contract. Suzuki Marine is here to help. This ensures optimal performance. Upgrade: Best for Motorcycle loans for bad credit. Higher rates apply for buyers with lower credit rating. Atlantic Outboard has a huge selection of used boats for sale in Connecticut. 2018 Toyota Sienna XLE 8 Passenger 4dr Mini Van BAD CREDIT FINANCING. Mercury ProKicker outboard motors deliver superior torque for greater acceleration control. Title loan. 96 per $1,000 financed monthly payments required over a 60-month term at a 2. New boat financing – We have relationships with nearly a dozen lenders, allowing us to shop for the best rate and terms for your purchase. Get in touch with our friendly and professional team by calling 0800 066 2882 or, alternatively, email us at info@pegasusfinance. Financing for 240-month terms requires financed amount of $100,000 or greater and approved credit. Please visit again soon. $8,500. Amounts vary by model. You'll find America’s Favorite Boats in our showrooms, individual Mercury motors for sale, and a proud offering of TRACKER OFF ROAD™ ATVs and. Our loans take into account factors such as loan amount, down payment, boat type and age, boat loan. Current rate range is 8. Attractive Rates; Flexible Payments; Low Down Payment; Fast Approvals; Same Day Loan Closing* Finance Complete Package; From $5,000 to $50,000Note: The above financing programs are offered by Sheffield Financial, a division of Truist Bank. Honda Marine offers several competitive finance rates. 6-liter displacement and V-8 configuration, the 300-hp Mercury Verado manages to keep weight competitive and deliver low-end torque. CALL/TEXT JASMIN (916)586-6111 2017 Kingfisher Falcon 1625. Get a personal loan from your bank If you have good credit, a personal loan may make a lot of sense. . Credit unions: Your credit union can be a great place to start. Updated November 22, 2023. Repower sales only, i. Competitive interest rates. Marine Customer Support - (866) 894-1626. No application fee. New. Example for new Honda outboard engines: 6. No older than 13 years at the end of the agreement. As a credit representative of a reputed finance company, we can secure competitive finance rates for you on a new motor, without you. By completing the online prequalification form You agree as follows: Authorization to Obtain Credit Report. 14% APR. RideNow Powersports. You already have a bad plan, don't make it worse. LightStream Boat Loan. Wake Series. Our sole focus is RV financing for Texas residents. 5 lb Weight. We are a leader in Suzuki Marine financing offering competitive rates and flexible loan terms for Suzuki Marine outboard engines and boat packages. Service 210-538-4552. $25,000 minimum amount financed for 61-84 months. A LightStream loan can. Snap Finance has industry-leading approval rates! Get approved for furniture, mattresses, tires, wheels, and more from a. Low rates. 2024 HONDA 5 HP BF5DHSHNA . Before you sign a loan agreement with a dealership you should contact a community credit union or bank and see how they compare. From home equity to credit unions, there are a number of ways to secure a boat loan. 99% – 19. This is a great company and they know their business. 99% to 35. People with impaired Credit history may still be eligible for Second Chance Finance (or bad credit boat loans). Students with bad credit can apply for low-interest unsecured loans for accredited programs at approved colleges and universities. The best Yamaha loan term is the one with the right balance of time, rate, and budget for you! Our most commonly used loan terms are between 36 – 72 months. Whether you’re looking for a 25 hp of 250 hp, Top Notch Marine Financing has you covered! We can help you find financing for a boat motor, just click the link above. If you have a low credit. . Things to know about personal loans with bad credit. S. $30,000 minimum amount financed over 84 months. Local: (804) 684-1205. Simply fill out our online form, call, or email us for a quick response and even quicker. Perhaps you forgot to pay off your credit card; had problems with a telephone provider; maybe you missed some repayments; have been bankrupt, or are just unlucky. You are hereby requesting to submit an online prequalification form to WebBank, through this “site” that is administered by Yamaha Motor Finance Corporation, U. 24% Apply Now *Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other charges and fees. Some online lenders offer unsecured personal loans specifically to borrowers with bad credit. 99% rate. coverage options with your local authorized Yamaha dealer today! Current Offers: As low as 6. Founded over 30 years ago, we have financed equipment for millions of customers with clear competitive rates. $199. When you refinance the loan, you borrow $75,000 to pay off. 4-Stroke. That's why we tailor loan solutions to match individual needs and situations. 57% – 35. Our secure application process requires minimal effort. 99% and won’t last long so contact your local Authorized Suzuki Marine dealer ASAP. To be eligible for a PAL, you must be a member of a federal credit union for at least one month. No credit check. Promotions. Loans for Products, Electronics, Service and Other. Seventy percent of enthusiasts do. Sell your Boat fast online today, read our in-depth boating guides & more!Boat packages consist of a boat and outboard motor(s) and can include a trailer. Look for outboard motors that offer good fuel economy without compromising performance. We work with self-employed borrowers who. Apply online today to get fast and easy approval on a boat loan. Our rankings are cleverly generated from the algorithmic analysis of thousands of customer reviews about products, brands, merchant’s customer service levels, popularity trends, and more. I have the details about the vehicle or product that I'm financing. org. Good Credit or Bad Credit, don't wait, apply for Outboard Motor Pre-Approval Today!. You are now leaving Suzuki Motor USA, LLC's Website, and entering an independent dealer site. Individuals can then buy personal goods with the money loaned from the bank. Receive a quick credit decision with applications available 7 days a week. 00 $1,464. 5. Get started today with our easy, secure online credit application. Tohatsu offers an outstanding line up of four stroke outboard motors, including the 140 hp, 115 hp, 90 hp, 75 hp, 60 hp, 50 hp, 40 hp, 30 hp and 25 hp outboard motors. Save Cash on Every Fill-Up. Individual Applicant. The water exits through a tell-tale. Seventy percent of our clients finance theirs. Outboard Motors. 625. OCTOBER 1 - DECEMBER 31, 2023. “With boaters looking to spend more time on the water, many are interested in upgrading. The best rates tend to go to expensive, new vessels — though you can still find a good deal if you have a credit score over 670 and can afford a down payment of at least 20%. 61% APR. No or minimal credit history. Suzuki’s Ultimate Outboard Motor has low emissions and fuel economy, resulting in lower maintenance costs and a lower environmental effect. Get a low interest CC and put them on there. SS Series. This saves you from navigating the maze of your state’s DMV, wildlife resources commission, or department of. 99% through June 30, 2021; Quick credit decisions and simple online processing 24/7; Ready and willing staff support only a phone call away; Boating season is BACK! You’ll want to make it the best boating season ever powered by Suzuki outboards. Lenders may require a higher down payment or interest rate, so it's important to shop around for the best deal. Yamaha Motor Finance Corporation, USA (Yamaha Financial Services) Company NMLS ID 1324405 & 1851440. Bad Credit Financing ; Apply, Arrive & Drive; Deals; Get Prepared; Credit Application; How Buy Here Pay Here Works; Bad Credit Issues? Calculate Payments;7. Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners:. Choice of loan terms — Up to 84 months. The average cost of a new boat is around $70,000. Payment Calculator. Also know that when a lender checks your credit score it can drop a few points. Average Repayment Terms. Suzuki Outboard Motor Financing - Suzuki Boat Package Loans. Best for flexible semi truck financing: Clear Path Financial. Whether it’s a boat for personal or business use, Aussie Boat Loans will get you a great deal on boat finance with a loan that is tailored to your financial situation. For 84 to 120 months, you’ll need approved credit and to finance at least $10,000. Utilizing a different form of loan and applying it to the boat purchase. (See Section 8 for units that must be titled. Financing Options for New and Used Outboard Motors and Parts Over $300. WUPYI2018 6 HP 2-Stroke Outboard Motor, Fishing Boat Engine Water Cooling CDI System Short Shaft WUPYI2018. Missouri law requires that application for a certificate of title be made within 60 days after a vessel (watercraft) or outboard motor is purchased. Contact one of the three major credit reporting agencies to get your credit report, including your credit score, by phone or via their website. The best boat loans offer loan amounts up to $4 million, extend terms up to 20 years and allow financing on boats up to 20 years old. Yamaha owners get something that can’t be measured in HP or RPM—legendary Yamaha reliability. Equifax: , Toll-free: 800-685-1111 Experian: , Toll-free: 888-397-3742These may include a repair manual specific to your outboard motor model, a socket set, screwdrivers, pliers, a torque wrench, gaskets, seals, and replacement parts.