Yanmar Tractor at night | Vibrant Credit Union

Fast. Powerful. Nimble.

It's everything your customers love about Yanmar equipment—and what you'll love about our streamlined financing process for dealers.

What to expect


Quick & easy application process

Submit a loan application in less than 15 minutes—and get a decision back within minutes. 


Decisions made by real people

We won't automatically reject an application if it falls outside our standard acceptance criteria—instead, we keep looking for ways to say yes.


Minimal paperwork

Customers can review and sign loan agreements online and receive funding the same day.  


Fast, friendly service

It's easy for your customers to find help managing their accounts. Vibrant handles all loan servicing from origination to payoff.

Yanmar Training Laptop | Vibrant Credit Union

Need help driving this thing?

Before you take the Yanmar Retail Financing platform for a spin, check out our library of videos to help guide the way.

Frequently asked questions

What’s the relationship between Vibrant Credit Union and Yanmar Finance?

Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner throughout the contiguous United States.

Headquartered in the Midwest, Vibrant lenders have worked closely with small- and medium-sized companies in construction, landscaping, and the skilled trades—so they understand the challenges your customers face in growing their businesses. As a member-owned nonprofit, Vibrant is able to help us offer the best rates and find flexible solutions for customers who might not traditionally qualify for financing. 

For more information about products and current incentives, visit the Yanmar website.

Do applicants need to be Vibrant members to apply for a loan?

You don't need to be a Vibrant member before applying for the loan, but you will become a Vibrant member as part of the approval process. We'll even take care of the $5 membership deposit for our Yanmar Finance clients. 

Membership is available to anyone who lives or works in the contiguous United States.

As a Vibrant member, you'll have access to free online and mobile banking, which makes it easy to set up automatic loan payments. Other benefits include free credit monitoring, free home value monitoring, and the opportunity to save money on life, home, and auto insurance. Plus, you can take advantage of our competitive rates on home loans, auto loans, and credit cards for both individuals and businesses.

How long does it take to receive a decision on a loan application?

Most loan decisions are available in minutes because we use a flexible, risk-based scoring model that delivers multiple finance options for each customer. 

On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes!

Our lenders are available from 8 a.m. to 5 p.m. Central Time Monday through Friday and from 8 a.m. to noon Central Time on Saturdays.

Do you approve applicants with less-than-perfect credit?

Absolutely. We look beyond specific criteria like credit scores, debit-to-income ratios, or other measurements to find a financing solution that works for everyone. 

Do you finance purchases of used equipment?

At this time, we only offer financing on new equipment.

How can I find out about financing incentives?

As an authorized Yanmar dealer, you should receive announcements about new and upcoming promotional financing. Our lenders will automatically include any incentives your customer is eligible to receive when they review your applications.

Where should I direct customers to manage their loan account and make payments?

Vibrant has created an online account portal for Yanmar customers where they can manage their accounts. They can also make payments directly without setting up an online account via BillerIQ [link TK].

I need help with my account. When is your member services team available?

We're ready to help out with your account any time from 8:30 a.m. CT to 5 p.m. CT Monday through Friday and from 8:30 a.m. CT to 12 p.m. CT on Saturday. 

What is the Vibrant routing number?

Our routing number is 271183646.

I got a text message about a fraudulent charge. What should I do?

If you receive a message about a potentially fraudulent charge, let us know whether you recognize the transaction by replying to the text or calling us at 1-800-323-5109.

Managing your online account

I've forgotten my sign-on ID and/or passcode. Help!

If you've forgotten your sign-on ID or passcode, send a feedback message stating this fact to the support desk. Be sure to include your name with the message. We will contact you to verify your identity and provide you with the information you need. 

I've requested that an additional account be included in my account summary, but it isn't showing up.

Before we add an account to your account summary, we have to verify the request, which can take a couple of business days to complete. If you don't see it within 2–3 days, send a message to our support desk.


When I select the register of my account, there are no transactions visible.

Any account transactions that occur before you've enrolled in online banking or added an account to your account summary will not be visible. All future transactions will be available going forward.

If you don't see a transaction that previously appeared in your register in the past, send a message to the support desk



When I sign in, I am immediately presented with an ALERT screen saying I have performed an illegal activity.

Make sure that your browser settings allow cookies.

We use cookies to verify your identity after you sign in. If you've disabled cookies or are running third-party software that intercepts or deletes cookies, you will not be able to use online banking to manage your business accounts.

Check your privacy and security settings to make sure you have cookies enabled. You can also choose to have your browser automatically delete cookies when you close it.



While logged in to online banking, I am occasionally presented with an ALERT screen.

As a security precaution, Business Online Banking will automatically sign you out if you have remained idle for an extended period. If you are idle on a particular page for a while and then return to the page, you will see an ALERT screen and be asked to sign in again before performing additional transactions. 

If you have not been idle for any period of time and you receive the ALERT screen, this may be caused by your browser's cookie configuration. Check the privacy and security settings on your browser to ensure you have cookies enabled.


My register appears to be missing some recent transactions. What should I do?

Business Online Banking is updated each morning with posted transactions from the night before. Transactions made on weekends and holidays will not post to your account until the next business day.

If there's an item you know should have cleared but is not included in your register, send a message to the support desk with the transaction information. 



There is a transaction in my register that I don't recognize.

If there is a transaction in your register that you don't recall making or creating, send a message to the support desk with information about the transaction, including the date, payee or payer, and amount. 

I've scheduled a payment or transfer and it has not been made.

If your payee has not posted the payment to your account within a few days of receiving it, send a message to the support desk to check on the payment status. Be sure to include the reference number (displayed under the "Num" column on your register). We'll trace the payment or transfer and send you an update on its status.




Any questions?