Features
Why should you consider a vacation loan instead of saving up and paying out of pocket? Let’s get into the details and options you can take advantage of!
Flexible Loan Amounts: Some vacations are more expensive than others, so not everyone is going to need the same amount of money. Our solutions offer loan amounts of up to $50,000, so don’t worry about the wind being taken out of your sales when you look at a vacation’s price tag.
Speedy Approval: We know… you just want to be relaxing on the beach already! We won’t hold you up with lengthy approval processes. In fact, you’ll often receive approval on the day you apply.
Credit Leniency: We know people are more than their credit scores. We consider various factors when providing loans, not just one number.
Custom Repayment Plans: Everyone’s financial situation is different. What one person can pay back in six months, another may take two years to repay. That’s why we offer flexible options based on your needs!
Competitive Repayment Plans: We want to be one of your lifelong financial partners, and we’ll prove it! Our competitive payment plans will give you options you won’t be able to beat.
Fast Funds When You Need Them!
Get funds fast and pay loans with your debit card.
- Apply in-store, over the phone, or online
- You have the option to receive funds on your debit or prepaid card
- Make a payment in-store, over the phone, or online
Don’t wait for checks to clear or worry about driving to a store. Bay Country Finance pushes funds straight to your debit or prepaid card so you receive funds when you need them.
Eligibility Criteria
You’re probably wondering what we take into consideration when we’re reviewing your loan application. You know we do everything we can for you regardless of credit score, but what about other criteria?
Since we offer secured loans, eligibility is based on collateral. You can keep whatever you use as collateral throughout the process, and we will relinquish ownership upon your completion of payments!
Application Process
We’re happy to offer a simple, streamlined application process—nobody wants to spend hours filling out forms, especially for a loan application. So what’s the process?
APPLY ONLINE: Once we have some financial, employment, and personal indo, you’ll get a quick response on your loan request.
CONNECT WITH A SPECIALIST: Once you’re approved, we’ll discuss your options and verify things like our identity, income, expenses, and any needed collateral. This step can be done by phone, online, or in person at one of our three branches.
SIGN AND GET YOUR MONEY: After you review and accept your loan, you just need to sign a few documents and receive your money. Easy!
Customer Support
When it comes to loans (or any financial assistance), it’s okay to ask questions and voice concerts. In fact, we encourage it! We’re always happy to help you understand:
- Eligibility
- What types of loans we offer
- The application process
- Repayment options
The minimum and maximum period for repayment are 12 – 60 months. Your terms vary based on personal information like credit history, income, expenses, debts, and acceptable collateral.
Let Us Reward Your Loyalty!
If You Are a Current or Former Valued Customer, Enjoy the Following Benefits on a New Loan with Us
- $25 Amazon Gift Card when your new loan closes*
- 45 days before your first payment is due
- “Instant Funding” directly to your debit card
- Plus, earn a $25 Amazon Gift Card for the referral of a friend or family member (Referring customer must close loan to become eligible).
*Any customer eligible for a Loyalty Gift Card must notify your loan officer at time of loan closing. Terms, conditions, and some restrictions apply. Not all will qualify.
