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Specializing in Financing for Motor Homes, RV's & Campers, Horse Trailers, Boats & Motorcycles NATIONWIDE

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Below are several questions that we often hear from prospective customers—and our answers. If you have other questions, please contact us toll free at 866.900.8949 or Email Us.


Q: What are your interest rates?
Q. What are your loan terms?
Q: What kind of credit do I need to meet your loan requirements?
Q: What amount of money will you finance?
Q: How long does the process take to get a loan?
Q: Once you've approved me for a loan, how long do I have to respond?
Q: What information will I need to submit to receive my loan?
Q: How secure is your online loan application process?
Q. Are there any types of vehicles that you do not finance?


Q: What information will I need to submit to receive my loan?
A: Typically, because we work with a number of banks, Southeast can provide a lower rate than your own bank or others who do not do a high volume of loans for new and used recreational vehicles, trailers. Call us toll free at 866-952-9059 to get a current, ballpark rate quote or complete our online application to get an exact quote and credit decision (during business hours).


Q. What are your loan terms
A: If you walk into your own bank and want to finance a recreational vehicle or trailer, usually, the maximum loan term you’ll be quoted is five years. Depending on the amount of money you need to finance, Southeast Financial can go up 240 months (20 years!) — to lower your monthly payments.


Q: What kind of credit do I need to meet your loan requirements?
A:  Southeast Financial does not have a minimum credit score requirement. Most lenders that offer financing for recreational units have a minimum credit score requirement of a 720. At Southeast Financial we don't treat you like a number and we don't base your credit worthiness on a number either. We look at each application on a case by case basis, and there are various factors that we consider (what state you reside in, what are you buying, how much do you want to borrow, etc.) Unfortunatly we cannot approve every customer, but we work very hard to get you an approval that will work with your budget. If you have credit issues that prevent you from being approved we may be able to help you resolve them. We offer all of our applicants that are declined a free credit consultation that we will give you valuable insight as to what is causing you to be declined and what you can do to correct the problem.


Q: What amount of money will you finance?
A: Southeast Financial will finance a minimum amount of $7,500 for motor homes, RV’s, campers and horse trailers. The minimum is $10,000 for boats and motorcycles.** The maximum, of course, will depend on  your credit rating and overall financial situation – but can go as high as $4,000,000.

 

**Please note that Southeast Financial is able to provide boat financing of at least $25,000 (up to a maximum of $4,000,000) in all fifty states.  In these 16 states we are also able to offer boat loans less than $50,000 (with a minimum of $7,500): Arizona, Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, Texas and
Wisconsin.

 


Q: How long does the process take to get a loan?
A: We pride ourselves in providing quick loan approvals (not just pre-approvals) during our normal business hours (8:30-5:00PM M-F). Then the exchange of documents and other paperwork—including getting you your check typically takes about 5 business days--which can vary depending on how timely customers are in getting all required documents/information to Southeast. For more information, read Loan Steps.


Q: Once you've approved me for a loan, how long do I have to respond?
A: Your quote is good for 30 days.


Q: What information will I need to submit to receive my loan?
See our online loan application, and you will also need to provide the following information that would be typical in applying for any financing:

  • title (copy of front and back)
  • seller contact Information (name, address, phone #)
  • lien pay-off (as applicable)
  • copy of driver's license
  • copy of insurance binder
  • other documents from Southeast Financial


Q: How secure is your online loan application process?
A: Very secure. Southeast Financial uses the highest level of online transaction security offered by Verisign, including 128 bit encryption for our online credit application form and all information submitted.


Q. Are there types of vehicles that you do not finance?
A: We specialize in financing a wide array of vehicles and trailers for personal and recreational use. We do not finance for commercial use.


 

Apply now for your horse trailer, RV, recreational trailer


Questions? Call us toll free at 866.900.8949 for current financing rates
Our business hours are:
8:30-5:00PM Central Time M-F


Or Email Us


Also, please check out our Loan Steps and Loan Tips for more information.