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Last Updated: 04/18/2025

Essex Credit Boat Loan & RV Loan

in Auto Loans from Essex Credit

Last Updated: 04/18/2025

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Highlights

Amount Range

$10,000 - $2,000,000

APR

Starting at 3.99%(Verified 06/21/2024)

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Credit Score Range

690 - 850

Loan Term (Months)

Up to 240

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 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.

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 Essex credit?

Essex credit will typically fund the car loan within 14 business days of approval.

Does Essex Credit perform a hard credit pull?

Yes, Essex credit 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 Essex Credit a legit company?

Essex Credit was founded in 1981, it is a well-established company that has been in business for 45 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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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 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.

Contact

Headquarters

12677 Alcosta Blvd. Suite 400

San Ramon, CA 94583

(866) 377-3948

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