Flexible Financing Options for Your Recreational Vehicles
Choose the Financing Solution That Works Best for You
Extensive Range of Eligible Vehicles
We proudly offer financing options for a diverse selection of recreational vehicles. From thrilling ATV's & Side by Sides to adventurous Boats and PWC's, versatile Travel Trailers & RV's, stylish Motorcycles, exciting Snowmobiles, convenient Golf Carts, reliable Lawn Tractors, hardworking Farm Machinery, and practical Work Trailers, we have you covered. If you have a specific financing requirement, we're here to discuss and find the perfect solution for you.
Private Sale or Dealer
Once you receive financing approval, the power is in your hands. You can decide to make your purchase from a trusted dealer of your choice or opt for a private sale. We understand that everyone has unique preferences, and we're committed to providing the flexibility you deserve to make the right decision for your needs.
Embracing Every Credit History
We believe in inclusivity and equal opportunities. Whether you have good credit, bad credit, or no credit history at all, our financing options for powersports vehicles, both new and used, are available to you. We don't judge based on credit scores and even offer no down payment options, ensuring that financing your dream ride is within reach.
Simple Steps to Secure Your Financing
Hassle-free Process for Your Peace of Mind
① Complete Application
Complete the basic application conveniently online or give us a call, and we'll guide you through the process. Our goal is to make it easy for you to get pre-approved, ensuring a smooth journey towards financing your dream vehicle.
② Income Verification
Once we receive your pre-approval, we'll request proof of income. This typically involves providing a recent paystub. By verifying your income, we ensure that you have the financial capacity to comfortably embark on your new adventure.
③ Shop with Confidence
With pre-approval in hand, you can confidently begin your search for the perfect vehicle. Whether you negotiate the best deal with a dealer of your choice or opt for a private sale, we're here to support you every step of the way.
④ Finalize the Paperwork
After negotiating your best deal, it's time to finalize the necessary paperwork. Simply send us a copy of the "Bill of Sale" from the dealer or the "Ownership" document in the case of a private sale. This allows us to initiate the completion of all required documentation.
Once we've received the contract and necessary paperwork, we'll swiftly transfer the funds required to pay for your vehicle. Our aim is to ensure a seamless and efficient process, allowing you to get behind the wheel or handlebars of your new ride without delay.
Will I Qualify if I Have Bad Credit?As experts in dealing with clients who have credit issues, we specialize in helping individuals with bad credit. Many applicants will qualify with no down payment required. We have a high approval rate, and our streamlined process ensures quick responses and efficient service.
I Am Self-Employed. Can I Still Qualify?Absolutely! We understand that proving income can be challenging for self-employed individuals. At Century Financing, we offer flexible options and accept alternative proof of income. We think outside the box to accommodate your unique situation, making it easier for you to qualify for financing.
How Long Does the Process Take?We pride ourselves on completing files promptly. The timeline primarily depends on how quickly you find the right vehicle or trailer and provide the necessary paperwork. On average, a normal deal takes about four days to complete. However, if you require a faster turnaround, we can expedite the process.
How Do I Provide the Down Payment?Rest assured, we never collect any money directly from our clients. Any down payment you need to make will always go to the dealer or the private seller. We facilitate a seamless transaction, ensuring your funds are directed to the appropriate party.
What Interest Rate Can I Expect?Interest rates vary from client to client based on their credit history. As soon as we have pre-approval, we will review your interest rate, monthly payments, and approved amount. Our interest rates are typically only slightly higher than those offered by mainstream banks, ensuring you receive competitive financing terms.