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- 952-9059 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: What does Southeast Financial charge to process a loan?
Q: How secure is your online loan application process?
Q. Are there any types of vehicles that you do not finance?
Q: What are your interest rates?
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, motorcycles or boats. 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, typically within 3 hours (during business hours).
Q. What are your loan terms
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 (60 for motorcycles)—to lower your monthly payments.
Q: What kind of credit do I need to meet your loan requirements?
A: You need a FICO/Beacon Credit Score of approximately 650 or above. We use Equifax to process our credit reports for intial credit verification. You can check your current credit score with numerous online companies such as:
Equifax, MyFico.com, Experian, Credit Report.com, etc.
Q: What amount of money will you finance?
A: Southeast Financial will finance a minimum amount of $7500 (and $2500 for dealers), and the maximum, of course, would depend on your credit rating and overall financial situation. If you are interested in refinancing.
Q: How long does the process take to get a loan?
A: We pride ourselves in providing quick loan approvals (not just pre-approvals) in 3 hours or less during our normal business hours (8:30-5:00PM M-F and 8:30-3:00PM Saturdays). 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 required all 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: What does Southeast Financial charge to process a loan?
A: We charge a one-time $125 documentation fee which is included in the loan closing documents.
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, trailers, motorcycles, and boats for personal and recreational use. We do not finance for commercial use.
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