Video Resources
Quick Resources
Loan Portal
Create new applications, check on the status of applications in progress, and more.
Business Hours
M-F 7:30 a.m. - 6 p.m. CT
Saturday 8:30 a.m. - 2 p.m. CT
Note, hours adjust seasonally.
Standard Financing for New Equipment
No down payment required; eligible for additional cash rebates. Rates current as of June 19, 2025. For rates with a credit score below 640 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager.
Credit tier | A+ (730+) | A (680–729) | B (640–679) |
|---|---|---|---|
36 month | 6.99% | 6.99% | 11.99% |
48 month | 6.99% | 6.99% | 11.99% |
60 month | 6.99% | 6.99% | 11.99% |
72 month | 6.99% | 6.99% | 11.99% |
84 month | 7.49% | 7.99% | 12.99% |
120 month | 7.49%** | 7.99% | 12.99% |
*"APR" = "Annual Percentage Rate." Minimum loan amount of $15,000 for all 120-month terms. **7.49% standard rate financing for 10 years (120 months) is applicable to well-qualified customers with approved credit. Not all buyers will qualify.
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 |
|---|---|
<500 Hours | 84 |
<5 Years | 84 |
6–10 Years | 72 |
501–1000 Hours | 72 |
11+ Years | 60 |
1001+ Hours | 60 |
How-to Training Videos
Frequently Asked Questions
Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner for individual consumer and small business 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.Get in touch with your Relationship Manager or email us here.
Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. 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 in 30 minutes or less!
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.
Check them out here!
Vibrant has created an online account portal for Yanmar customers where they can manage their accounts.
They have three options for paying their loan:
Pay online with their debit card.
They can pay online with an ACH transfer from another bank account.
Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266
We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or 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! See above to find your RM!
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.