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Frequently asked questions
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.
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.
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.
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.
At this time, we only offer financing on new equipment.
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.
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].
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.
Our routing number is 271183646.
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
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.
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.
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.
Make sure that your browser settings allow cookies.
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.
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.
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.
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.
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.