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We proudly offer first-class products and support for our dealers and their customers. Our experienced representatives are here to assist our dealer partners to surpass the auto financing needs of their customers. Our unique selection criteria places a greater emphasis on customer's ability to pay and stability and less emphasis on their credit alone. We work closely with our dealers to closely examine each deal and provide our dealer partners with a "yes" when others may say "no".

We view our dealers as partners and work hard to provide long-term relationships with our dealers best interest in mind. We offer our decades of experience in the non-prime auto marketplace to our dealers and our upper management is closely involved with our dealers.

We know that funding time is a critical factor for our dealers so we strive to offer same-day and next-day funding whenever possible. To join our carefully selected list of dealer partners, please complete the contact form below and a market representative will be in touch with you shortly.


Frequently Asked Questions


Why Work with Bayside Credit?

Bayside Credit has been a trusted lender for over 17 years. We work closely with our dealers to develop long lasting, quality relationships, while providing a personal presence at the dealership. Our experienced representatives are readily available to guide our dealers through the loan process step-by-step; we assist our dealers with what they need to get the deal funded, how to prepare a loan, budget case loads, and predict market demands and pricing. We see our dealers as partners and we are available when you need us! Not only do we offer great customer service, we have an excellent rating with the Better Business Bureau and we give back to the community through various socially responsible programs. When you work with Bayside Credit you aren’t just helping your business, you are building a better commu-nity.

What is the down payment requirement?

Bayside Credit requires a minimum down payment of 10% of the vehicle sale price which can be satisfied by either cash or trade equity. Please note that there are unique situations which may require a larger down payment.

Can we still loan to a customer who does not receive a paystub?

Yes, we can! Many times our customers are self employed or work jobs where they do not receive a traditional proof of income, such as a year to date pay stub. As each of our customers are reviewed on a case-by-case basis we can work with unconventional proof of income, such as cancelled checks and/or bank statements.

How long does it take for Bayside Credit to fund a deal?

Complete and clean contract packages will often fund the same day. For deals that require more consideration they will typically be funded within 48 hours, as long as the contract package is completed with all of the necessary documents. Incomplete contract packages will cause a delay in funding.

Inquire about becoming a Dealer Partner

Dealership (required)

Full Name (required)

Title (required)

Business Address (required)

City (required)

State (required)

Zip Code (required)

Phone Number (required)

Email (required)

Number of Years in Business (required)

Average Monthly Sales

How did you hear about Bayside Credit?