FINANCE Frequently Asked Questions
What can United Financial Services (UFS) offer me?
At JCM we aim to understand your requirements, objectives and to deliver an affordable loan solution. We strive in partnership with Australian Marine Finance (AMF a subsidary of Yamaha Marine Finance) to deliver the highest level of personal service efficiently, honourably and impartially, in keeping with our company ethos.
Who do I talk to?
John Crawford Marine has been very selective in choosing a finace company whom reflects our philosophy of building a relationship with a client and being there for the long term. Please call Rebecca at John Crawford Marine to assist you with a personalised service in answering your questions.
How do I secure the boat I want at John Crawford Marine?
Simply call the Sales Team at John Crawford Marine on 07 3890 2322. A small refundable deposit is all you need to secure your boat while the finance is pending. We strive to make it easy and hassle free!
Do you arrange secured personal loans?
Yes. Minimum loan is $5,000. We are generally able to finance any age of boat and our loans will be secured on your purchase at a fixed interest rate.
How long does it take to be approved?
Generally within 24 hours for approval, however complex or difficult applications can take a few days. Once approved, original finance documents must be signed and the supplier will be paid directly usually within 1-2 days. It is John Crawford Marine policy that a boat cannot be delivered until funds have been cleared.
Can I get my finance approved before purchasing?
Yes, providing you can give us an idea of what you're intending to purchase. Getting pre-purchase approval before you go shopping is a sound idea, allowing you to buy then and there if you spot a great deal. We strongly recommend you talk to John Crawford Marine, a reputable and respected dealer.
What are my chances of approval?
Their are naturally considertions, such as: have you ever filed for bankruptcy, do you own a home, how much is your current income, how long have you been employed at your current job, how long have you lived at your current address, do you have a credit rating, what is your net worth, and so on.
Our Consultant will then complete a preliminary assessment to ascertain your credit status, determine the security over the loan, your current debt level, your income, and your ability to repay the debt. From this UFS will discuss loan options available to you.
Click through to the Loan Calculator http://www.johncrawfordmarine.com.au/insurance/finance-calculator for further research.
Are your interest rates competitive?
Interest rates are monitored against current interest rates to maintain and offer the most competitive deals in Australia. However, the interest rate offered may vary depending on whether you are a high or low-risk borrower.
Do I need to provide anything with my application?
To assist with the application some of the following may also be requested :
•Payslip or letter from your employer
•Bank account details for direct debit
•Proof of home ownership
•Comprehensive insurance policy
•Drivers licence (with correct addresses)
•Rent receipt (if you’re renting)
Any further questions?
For further information please call Rebecca at John Crawford Marine on 07 3890 2322 to assist further.