How Does it Work?
Automobile financing with us offers flexibility that’s hard to find anywhere else.
Your loan amount depends on the vehicle price and your down payment, with the car itself serving as collateral. This makes it easier to qualify for than a personal loan.
We lend to people, not credit scores!
Takes less than 3 minutes. No hard credit check.
What Can A Secured Personal Loan Be Used For?
Whether you totaled your car or you just want to go relax in the Bahamas, it makes no difference. If you want to take care of a big expense, we’re here to help. Here are some common uses for a personal loan.
Debt Consolidation
Repaying your debts can get tricky if they’re scattered all over the place. Debt consolidation will help you streamline the process by lumping your balances into one payment.
Home Improvement Loans
You spend a large portion of your life in your home, and you should enjoy that space! Whether you need to paint the kitchen or turn your basement into a few new bedrooms, a home improvement loan can help!
Unexpected Expenses
Life has a way of throwing us curveballs, often at inopportune times. This usually means we don’t have the immediate funds to field them. A personal loan can alleviate that stress and help you take care of an unexpected expense.
Vacation Loans
Life can get hectic, and sometimes you just need to get away. A vacation loan is your ticket to paradise when you and your family need to recharge your batteries at an out-of-town destination!
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.
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.
How Does a Secured Personal Loan Work?
Instead of deciding whether or not you’re worthy based on credit alone, we require another option in the form of collateral.
A secured loan is a loan that requires you to pledge an asset, like your home or car, as collateral. So, whether it’s real estate, a vehicle, or other assets, it can be used to secure the money you need to take care of whatever big expenses you need to hurdle—large purchases, unexpected expenses, credit card balances… you name it.
This type of loan is ideal if you’re looking for a lower interest rate or need to borrow a larger amount. You’ll retain possession of whatever asset you select throughout the life of the loan, so don’t worry about not having access to your vehicle or other property.
A personal loan is a loan that requires you to pledge an asset, like your car or home, as collateral on the loan. This asset is what helps us say “yes” when other lenders say “no.”
Your asset is what secures the money you need. Whether it’s a large purchase, an unexpected expense, or credit card balances you’re ready to put behind you, your asset helps us get you funded fast.
Very quickly. With same-day approvals, you have the option to receive your funds directly on your debit or prepaid card: no waiting for a check to clear and no extra trips.
Loans are available from $750 to $50,000. Your amount depends on factors like your income and the value of your collateral.
Same-day funding* starts with a complete application.
To speed things up, please have your vehicle information handy, including: VIN#; Year; Make; Model; Mileage; Monthly Expense; Down Payment; and Vehicle Stock Number
*Same-day funding available with an approved, complete application. Terms vary.
Your Loan, Your Way!
We make it as easy as 1, 2, 3!
