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Vacation Loans

Secured Personal Loans

We’re all familiar with those commercials that ask the simple question: “Wanna get away?” But finances often make that a very loaded question. You do want to get away, but you don’t have the money to do it. There are so many expenses and other logistical hurdles involved that you just stay home and miss out on some R&R.

At Bay Country Financial, we’ll help you clear those hurdles easily with a vacation loan. And before you ask, you don’t need to have stellar credit to take advantage of it!

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.

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Fast Funds When You Need Them!

Get funds fast and pay loans with your debit card.

  1. Apply in-store, over the phone, or online
  2. You have the option to receive funds on your debit or prepaid card
  3. 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.

Apply Online Now!

Family preparing for a roadtrip.

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!

Apply Online Now!

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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!

Benefits

The primary benefit of a vacation loan is that you don’t have to spend months or years saving up for your vacation; you can leave town as soon as you want! But another thing to consider is that this loan is an opportunity to build up good credit with timely payments.

Our stress-free borrowing experience is the first step in your vacation and financial wellness journey!

Husband and wife walking with their young son along a beach.

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

Apply for a Loan

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.

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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.

Apply Today!

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The Greatest Compliment Our Clients Can Give is the Referral of Their Friends and Loved Ones.

Ready to Assist You With The Funds You Need, Now!