Why a Home Improvement Loan?
We aren’t here to judge your reason for needing a loan. We’re just here to make it happen.
If you have a less than stellar credit score, things like this are difficult to get approved. That’s where we come in.
Our home improvement loans have helped several customers turn their houses into homes thanks to their flexibility, fast approvals, and lack of application fees.
Did we mention financing of up to $50,000 is available?
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
Here’s the thing about our process: It doesn’t focus on your credit score.
Instead, we see the people behind the number and do everything in our power to help. You won’t be waiting for long periods of time and you’ll never hear us tell you that you aren’t qualified because your credit score is poor.
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 info, 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.
