Can I get a Loan for a 14,000 Boat?

I am wanting to buy a new 14,000 doallar boat around the end of July. I have two credit cards with a total of about 2500 dollars together that have been sent to collection. I am currently paying them off now and they will be payed off at the end of june. I financed a truck for 10,000 2.5 years ago and all my payments were made and the vehicle is payed off now. I also have a student loan that has been in good standing for the past 6 months but there were some missed payments in the past. My credit score with my unpaid credit cards are around 520 to 560 depending on which bureau your looking at. If I take 10% down of the boats cost and have a co-signer with a credit score over 750 with only a $500 house payment do you think I can get the loan. Keep in mind all of my debts will be payed and I will have a payed in full letter in hand before attempting to get the loan. My co-signer is also retired with a nice pention. What do you guys think?