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Last Updated: 05/15/2026

Aqua Finance Marine & RV Loans

from Aqua Finance, Inc.

Last Updated: 05/15/2026

Strongly not recommended11 total votes

1 users recommend

10 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Amount Range

$1,000 - $100,000

APR

N/A

Credit Score Range

550 - 850

Loan Term (Months)

Up to 84

Number of Reviews

Aqua Finance Marine & RV Loans Review

Aqua Finance Marine & RV Loans is offered by Aqua Finance, Inc., a financial services company founded in 1985 and based in Wausau, WI. Aqua finance are available in 40 states and Washington, DC.

Aqua finance FAQ

How much can you borrow via Aqua finance?

Aqua finance loan amounts start at $1,000 and go up to $100,000.

What APR does Aqua finance offer on its car loans?

Aqua finance offers an car loan product but they do not disclose their rates.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with Aqua finance?

Aqua finance has car loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.

Does Aqua finance charge an origination fee?

Yes, Aqua finance may charge a loan origination fee .

Does Aqua finance charge a late fee?

Yes, Aqua finance charges borrowers with a late payment penalty fee

Does Aqua finance charge prepayment fees?

No, Aqua finance will not charge you a fee for paying your loan early. Whenever possible choose lenders like Aqua finance that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Aqua finance loan?

Yes, you can. Aqua finance does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for Aqua Finance Marine & RV Loans?

Applicants with a credit score of at least 550 and up to 850 may be eligible for Aqua Finance Marine & RV Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Aqua Finance Marine & RV Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

To qualify, applicants may need to provide the following documentation:

Recent pay stubs
Driver's license or other government photo ID
Proof of citizenship or residence permit

What is the estimated funding time for a car loan via Aqua finance?

Aqua finance will typically fund the car loan within 7 business days.

Does Aqua Finance, Inc. perform a hard credit pull?

Yes, Aqua finance performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Is Aqua Finance, Inc. a legit company?

Aqua Finance, Inc. was founded in 1985, it is a well-established company that has been in business for 41 years. Aqua Finance Marine & RV Loans is strongly not recommended by SuperMoney community users.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Aqua finance

Camping & boating are just a few recreational activities many people enjoy. While boats and recreational vehicles are important to many consumers, difficulty getting loans can prevent them from making these purchases. And a poor credit score might not just be affecting your consumers; it could prevent them from bringing business to your dealership. However, as a dealer, you are in a position to help. By offering financing, you can give someone the opportunity to make a purchase that will stay with his or her family for years to come and to create many lasting memories. While Aqua Finance's program can benefit someone hoping to purchase a boat or RV, your business will also will find many advantages as well. We offer approval for consumers with a wide range of credit scores. This means you'll be able to draw in more customers and close more difficult deals.

Contact

Headquarters

One Corporate Drive, Suite 300

Wausau, WI 54401

(800) 234-3663

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -82, or 1.4 on a 5-point rating scale.

-82

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Aqua Finance Marine & RV Loans Community Reviews

Would you recommend Aqua Finance Marine & RV Loans to your friends?

Juliana P.

May 15, 2026

May or may not recommend

Looking back, I realize I should have done more research before trusting that fake company. Reading reviews and verifying their legitimacy could have saved me a lot of stress and loss. I'm incredibly grateful that LEX RECOUP SOLUTIONS listened, acted promptly, and proved they genuinely care about their clients. Their swift action brought me peace of mind, and I can confidently say they’re a company that stands behind their customers.

Rosilda B.

Jan 22, 2022

May or may not recommend

Aqua Finance : Pesimo servicio. La vendedora despues que te vende no te responde mas .te visita solo cuando le interesa hacer la Venta. La maquina es super costosa y no ofrece lo que dice. Yo sigo comprando agua de botella. Tiene un filtro que tienes que lavarlo con pressure washer si no tienes uno en cada olvidalo. Me descontaron doble mi pago y se negaron a devolver ...Show More

Janet P.

Aug 19, 2021

May or may not recommend

Placed a lien on a home not associated to the loan....the loan was for home improvement for a secondary home in the state of Georgia. But a lien was filed for another home in another state.

Anonymous

Sep 21, 2020

May or may not recommend

This company has been an absolute nightmare to finance through. They file UCC liens and do not make you aware of this at the time of sale. UCC liens are usually for commercial purposes. While this is technically legal, there are many ways to fight such liens thanks to laws put in place to protect home owners. It is just a hassle to have to go through.

Salem Z.

Sep 15, 2020

May or may not recommend

The finance company is in the loan shark business Astronomical interest rate and they will not negotiate an early payoff amount

Anonymous

Jun 11, 2020

May or may not recommend

I was fairly satisfied with this lender up til now. Having engaged with them to get a building improvement loan, we were able to get through the build and all was well. Then COVID hit. And they, as did all other lenders, offered a deferment. However, as states continued to delay their openings, our business continued to suffer. Being in the travel / hospitality industry, we were decimated. After the ...Show More

Christine R.

Dec 27, 2019

May or may not recommend

::I became part of a case study (so I was told) in April of last year. I was shipped a Trusii water machine and started drinking the water. I was also told I would have to get a loan for the machine so I needed a credit check and gave all my personal information. Over the course of the year I was told if I did not leave good reviews (do ...Show More

Steven B.

Oct 2, 2019

May or may not recommend

Aqua Finance are Crooks. They tell you that you are applying for an unsecured debt but then after a yr of having a loan with them will put a lien on your home without your knowledge or approval. Their loans are not standard APR either, they take 90% of your payment for interest, basically untold but are front loaded interest loans and will not let you pay directly to principal.

Douglas H.

May 23, 2019

May or may not recommend

Absolutely NOT, RIP OFFS, intrest rate is out of this WORLD.

Rocky N.

Feb 19, 2019

May or may not recommend

I would not recommend this company they are a Dishonest company.

Jeri Y.

Apr 5, 2017

May or may not recommend

I have had a great experience with this company. The APR is low (5%). Customer service is outstanding. There is a ten-day grace period beyond the due date. I only wish I was able to access the account through their servicing institution (Connexus).

Showing 11 of 11 reviews