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A credit review on an application is generally completed within 1-3 business days.A credit decision will be sent via email if an email address was provided on your application.If income is being verified, you may be asked to provide such info as: - Completed Personal Financial Statement - If salaried, year to date paystub and/or most recent W-2 & two (2) years 1040 tax returns with all schedules and statements.- If self-employed, most recent two (2) years personal federal tax returns including all schedules & two (2) years business returns including all schedules & K-1's, if applicable.Yes, Essex does allow either as a Joint Borrower along with a qualified related individual(s).

Please contact your Sales Representative for more detailed information.Income verification is generally only required on loan amounts 0,000 and above.However, Essex reserves the right to require income verification on any loan application.Can I finance any taxes, title, registration and/or loan processing fees?Yes, taxes, title, registration and/or loan processing fees may be included in your loan amount subject to the loan amount meeting our LTV (Loan to Value) guidelines.

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We are unable to process Montana LLC’s at this time. Yes, Essex offers financing options for boats that will be limited charter (not more than 73 days per year).

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