Make the holidays merrier with our 90-day no-pay program. Choose standard-rate financing to qualify.

Finance now with no payments until 2024

*"APR" = "Annual Percentage Rate." **8.24% standard-rate financing for 10 years (120 months) is applicable to well-qualified customers with approved credit. Not all buyers qualify. Minimum loan amount of $15,000 for all 120-month terms.

No down payment required; eligible for additional cash rebates. Rates current as of November 1, 2023. For low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager.

Standard Financing

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Create new applications, check on the status of applications in progress, and more.

Dealer Portal

Estimate premiums >

Protect your new Yanmar against accidents and unexpected disasters with coverage up to its actual cash value for the life of your loan.

Insurance Calculator

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Need help navigating Yanmar Financing powered by Vibrant? Check out step-by-step video tutorials and other resources.

Training Center

Dealer Tools

Earn up to 5.00% APY* on your savings

With high-yield Super Savings from Vibrant, the more you save, the more you earn. Get our best rates in years for a limited time only.

*APR = "Annual Percentage Yield. Super Savings is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. APYs accurate as of September 12, 2023. $5 Membership Share account required. Federally insured by NCUA.

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Lock in a great rate with a Vibrant CD

Rates are going up, up, up—but for how long? Lock in a great rate of return with terms as short as 3 months or as long as 5 years.

Check out our rates >

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:

Legal business name

EIN

Physical address

Contact email

Phone number

In addition, any individual with at least a 25% ownership stake will need to provide the following:

Name

Date of birth

Social Security number

Job title

% of ownership (if applicable)

Copy of driver's license

Phone number

Email

Account

Finally, if you have additional staff who will be signers on the account, they'll need to provide their:

Name

Date of birth

Social Security Number

Job title

Copy of driver's license

Phone number

Email
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 1 p.m. CT on Saturdays.
We are always looking for new opportunities to help you. Give us a call at 1-800-479-6206 or email us at loanprogram@vibrantcu.org to discuss your sales needs.
Download our current incentives:

US Retail Program - November 2023
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
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 1 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:

Marc Brown: Red River, MidSouth, MidCentral

Madison Meeker: New England, Southeast, Mid-Atlantic

Carson Thomas: Keystone, Ohio Valley, NW/SW
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.
Yes! Check out our latest monthly programs for details.

US Retail Program - November 2023

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.

Get started