I am looking for an Artist and Song Title.

The only info I have is the song is under Pop / Hip-Hop / Top Twenty and the following lyrics.

The song has a really cool beat and I think there are three singers; 2 males and 1 female.

The Lyrics ....

.... "I ain't got no visa.
I ain't got no American Express.
Can't go nowhere exotic (exotic-exotic)
It doesn't matter cause
I'm the one who loves you best
Talk to me girl" ....

(Then a female comes in)

(And then somewhere in the middle of the song there this lyric .... )

.... "I ain't got no boat, but I can float your boat" ....



Well, that's it. Anyone know of this Artist and Song Title?

so much guys!