Can I get pre-approved?

Yes, we do pre-approvals, however we need an example of what you are looking at so it can be reviewed by our lenders. Once approved, you can switch units and your loan officer will let you know how to make that happen

Do I have to purchase from a dealer?

are able to work with dealers and private party purchases. This gives you the freedom to find the best deal possible for the RV or boat that fits your criteria.​

Can I buy out of state? yes

What are the minimum application requirements?

1. Minimum credit score of 550.
2. Consistent source of income.
3. $10,000 minimum loan amou

Here are a few things that may disqualify you
1. Unverifiable or temporary income.
2. No programs available in Hawaii.
3. Multiple bankruptcies or currently open bankruptcy.
4. Large, outstanding collections.
5. Inability to afford monthly payment. (Typically Debt to Income (DTI) Ratio needs to be under 40% to 50%)
6. Accounts in forbearance (student loans, mortgage, auto loans)

Do you offer programs with no down payment? While most of our lenders require a 10% to 15% down payment, we will consider 100% financing on a case by case

Can I count my spouses income

yes, as long as they are listed as a co-applicant

What happens after submitting the application?

How long does it take after you apply?

How long is my approval valid?

How long after I sign documents will I receive my funds?

What happens if the seller still has a loan on the unit?

Can I get financed for a unit with a salvage title?

What unit types do you finance?

Will this affect my credit?

What credit bureaus do you use?

Can I finance a boat motor only?

Can I qualify if I don't have a Social Security number?

Do I have to purchase from a dealer?

Can I buy out of state?

What are the minimum application requirements?

Do you offer programs with no down payment?

Can I count my spouses income?

What happens after submitting the application?

How long does it take after you apply?

How long is my approval valid?

How long after I sign documents will I receive my funds?

What happens if the seller still has a loan on the unit?

Can I get financed for a unit with a salvage title?

What unit types do you finance?

Will this affect my credit?

What credit bureaus do you use?

Can I finance a boat motor only?

Can I qualify if I don't have a Social Security number?