Aqua Finance, Inc.

You can find all of our available promotions on our dealer portal under the promotions section. Bay Finance also sends out email notifications of any new promotions, so make sure you check for those as well. 

Same-as-cash is a promotion you can offer to a customer in which interest accrues from day one of the loan, but will not be charged to the customer if the principal is paid off before the promotional period expires, thus making it like the customer paid with cash. For example if a loan has a 12 month same-as-cash promotion, they would need to pay off the loan before the 12 month expired to ensure they would not be charged any interest. 

A no-interest, no-payment promotion would mean that for the promotional period the loan would not accrue any interest and the customer would not need to make any payments. For example if the loan has a 6 month no-interest, no-payment promotion, the customer would not have to make any payments for 6 months and the interest would not begin to accrue until the 6 month promotional period has expired. 

A deferred payment promotion would mean that a customer would not be required to make payments on the loan during the promotional period, but interest would still accrue during that time. For example, if the loan is a 3 month deferred payment promotion, the customer would not have to make any payments until after the 3 months has expired, but interest would have been accruing from day one of the loan. 

Equal payment promotions mean that the customer would have equal payments for the promotional period and no interest. For example if a customer had a 12 month equal payment promotion they would pay the same amount each month with no interest that would accrue. 

You may be able to combine promotions together to offer to your customers. For specific information on combination promotions and associated costs see our dealer portal and our promotions section. 

We have a variety of promotions you are able to offer to your customers. You can choose one of our standard promotions (with applicable fee) to offer to your customer. Use our promotions to help you close the sale and find an option that works best for your customer. 

You can qualify for the ACH incentive by getting your customers to sign up for ACH (automatic payment from a checking or saving account) payments when completing the finance paperwork. You can earn an additional 1% back (up to $200) on all deals that sign up for ACH payments. 

No. Discounts may not be passed on to the customer. Dealers who offer financing may choose to raise their prices overall for ALL customers and then offer discounts for those paying cash, but any applicable discounts on an individual deal may not be collected from a customer. This violates Truth-in-Lending provisions.