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No down payment required; eligible for additional cash rebates. Rates current as of April 1, 2024. For low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager.
Standard Financing for New Equipment
Credit tier | A+ (730+) | A (680–729) | B (640–679) | C (600–639) | D (550—599) | E (<549) |
|---|---|---|---|---|---|---|
120 month | 7.90%** | 9.49% | 10.99% | 15.90% | 18.00% | 18.00% |
84 month | 7.85% | 9.24% | 10.49% | 15.90% | 18.00% | 18.00% |
72 month | 7.79% | 8.90% | 9.90% | 14.90% | 18.00% | 18.00% |
60 month | 7.74% | 8.19% | 8.90% | 12.49% | 18.00% | 18.00% |
48 month | 7.24% | 8.19% | 8.74% | 12.24% | 18.00% | 18.00% |
36 month | 6.90% | 8.19% | 8.49% | 12.24% | 18.00% | 18.00% |
*"APR" = "Annual Percentage Rate." Minimum loan amount of $15,000 for all 120-month terms.
Create new applications, check on the status of applications in progress, and more.
Dealer Portal
Need help navigating Yanmar Financing powered by Vibrant? Check out step-by-step video tutorials and other resources.
Training Center
Dealer Tools
Standard Financing for Used Equipment
We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed.
Age/Hours | Max Term | Max LTV |
|---|
Earn up to 4.50% APY* on your savings
With Preferred Savings, you can earn 4.50% APY on balances up to $15,000. Get our best rates in years for a limited time only.
*APY = "Annual Percentage Yield. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. APYs accurate as of April 1, 2024. Limit one Preferred Savings account per member. $5 Membership Share account required. Federally insured by NCUA.
Meet the team
Frequently asked questions
Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds.
We worked closely with Yanmar to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you.
As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget.
We'll need some basic information about your dealership, including:
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Legal business name
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EIN
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Physical address
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Contact email
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Phone number
In addition, any individual with at least a 25% ownership stake will need to provide the following:
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Name
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Date of birth
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Social Security number
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Job title
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% of ownership (if applicable)
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Copy of driver's license
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Phone number
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Email
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Account
Finally, if you have additional staff who will be signers on the account, they'll need to provide their:
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Name
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Date of birth
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Social Security Number
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Job title
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Copy of driver's license
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Phone number
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Email
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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 7:30 a.m. to 6 p.m. CT Monday through Friday and from 8:30 a.m. to 4 p.m. CT on Saturdays.
We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details.
Vibrant has created an online account portal for Yanmar customers where they can manage their accounts.
They have three options for paying their loan:
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Pay online with their debit card.
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They can pay online with an ACH transfer from another bank account.
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Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing.
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Vibrant ATTN: Payments PO Box 1550 Moline IL 61266
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You can reach us at 1-800-479-6206 from 7:30 a.m. to 6 p.m. CT Monday through Friday and from 8:30 a.m. to 4 p.m. CT on Saturdays. Email us any time at loanprogram@vibrantcu.org.
Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed.
Complete an application in the dealer portal and get a decision within minutes.
Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs.
Our relationship managers are ready to answer all your questions! To get started, contact the manager assigned to your region:
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Marc Brown: Red River, MidSouth, MidCentral
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Madison Meeker: New England, Southeast, Mid-Atlantic
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Carson Thomas: Keystone, Ohio Valley, NW/SW
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John Weaver: New England, Southeast, Mid-Atlantic
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Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment).
Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.
FAQ
New to Yanmar Finance powered by Vibrant?
It's easy to set up access to our dealer portal. First, we will set up a Vibrant bank account for your dealership. After you sign off on the paperwork, you'll get access to your online bank account, and we'll email your login info for your Vibrant account and access to the Yanmar Retail Finance portal.
Mobile: 563.514.4844
Red River, MidSouth, and MidCentral
Relationship Manager
Marc Brown
Mobile: 563.349.1021
New England, Southeast & Mid-Atlantic
Relationship Manager
Madison Meeker
Mobile: 309.269.1586
Keystone, Ohio Valley, NW/SW
Relationship Manager
Carson Thomas
