Aqua Finance, Inc.

Bay Finance is an indirect lender and as an indirect lender we work with your dealership until the point of funding which means there is no need to link our site to your site. We suggest you let your customers know that you offer financing and what great promotions you offer. You will then work through us to get the customer approved and finance your great product. 

Your dealer number can be found on the welcome packet provided to you at the time of approval with Bay Finance. If you have misplaced this packet or did not receive one, you can call us at 1-866-900-6779, option 4, ext. 6078 and we can provide you with your dealer number. 

Typically, there are two different kinds of fees your dealership could incur: risk discount and promotion fees. The fees can vary depending on the risk discount amount and promotion offered to the customer (some additional fees may vary due to state regulations). For questions on a specific deal give us a call. 

There is no fee to get set up with Bay Finance. You can apply with Bay Finance on our website by going to the Partner with Us section and completing our online application. You can also contact our Sales and Marketing Department at 1-866-900-6779, option 4, ext. 6078 and request an application be mailed, faxed, or emailed to you. 

A Bay Finance representative will be in contact with you via phone once your application has been reviewed and to discuss the decision. This process generally takes 2 business days. 

This information can be found on your dealer welcome packet. You can also call our marketing department at 1-866-900-6779, option 4, ext. 6078 for your dealer credentials. 

The master dealer agreement (MDA) is the agreement between the dealership and Bay Finance which includes the terms of the partnership.