Essex Credit Boat Loan & RV Loan
Essex Credit Boat Loan & RV Loan
in Auto Loans from Essex Credit

Essex Credit Boat Loan & RV Loan

in Auto Loans from Essex Credit
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Credit Score Range 690 - 850
Loan Amount $10,000 - $2,000,000
APR Starting at 3.99%
Loan Term (Months) Up to 240 months

Essex Credit Boat Loan & RV Loan Review

Essex Credit Boat Loan & RV Loan is offered by Essex Credit, a direct lender founded in 1981 and based in San Ramon, CA. Essex Credit Boat Loan & RV Loan are available in 49 states (and Washington, DC).

Essex credit FAQ

How much can you borrow via Essex credit?

Essex credit loan amounts start at $10,000 and go up to $2,000,000.

What APR does Essex credit offer on its car loans?

Essex credit offers an car loan product that ranges from 3.99% APR.

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 Essex credit?

Essex credit has car loans with a maximum term of 240 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 Essex credit charge an origination fee?

Yes, Essex credit may charge a loan origination fee.

Does Essex credit charge a late fee?

Yes, Essex credit charges borrowers with a late payment penatly fee

Does Essex credit charge prepayment fees?

No, Essex credit will not charge you a fee for paying your loan early. Whenever possible choose lenders like Essex credit 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 Essex credit loan?

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

What do you need to qualify for Essex Credit Boat Loan & RV Loan?

Applicants with a credit score of at least 690 and up to 850 may be eligible for Essex Credit Boat Loan & RV Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Essex Credit Boat Loan & RV Loan does not have or does not disclose a minimum annual income eligibility requirement. Essex Credit Boat Loan & RV Loan only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members are eligible to apply for a loan via Essex Credit Boat Loan & RV Loan. Their rates fall within the limits of The Military Lending Act.

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

  • Recent pay stubs
  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for a car loan via Essex credit?

Essex credit will typically approve (or deny) a car loan application within 72 hours and fund the car loan within 14 business days of approval.

Is Essex Credit a legit company?

Essex Credit was founded in 1981, it is a well-established company that has been in business for 42 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Message From Essex credit

Essex Credit, a division of Bank of the West, is dedicated to getting you behind the wheel of your dream boat or RV. Our goal is to get you approved quickly and easily for a boat  loan or  RV loan. No stress, no hassle; we will be with you every step of the way. With over 30 years in the recreation lending industry, we've built a reputation for being a solid and dependable RV and boat loan lender by helping tens of thousands of people realize their dreams of RV and boat ownership. Whether your RV or boat is used for recreation or as your primary residence (Full-Timer/Live-Aboard), we can help you find the perfect program to fit your needs.


About Essex Credit Boat Loan & RV Loan


  Available in 49 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
No Prepayment Fee
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
Credit Score Range 690 - 850
Loan Amount $10,000 - $2,000,000
APR Starting at 3.99%
Loan Term Up to 240 months

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