Dealer Lending

1st Security Bank is committed to our Contractors and Marine Dealers.  We provide nothing less than best-in-class service, the most competitive loan programs year round and quick turnaround times for approvals and funding. We’re the team that will make you say “WOW”!

Homeowner looking for financing? Click here for a referral to one of our contractors in your area.

Our Focus

We have over 25 years' experience working with contractors. 1st Security Bank's goal is to develop partners for long term business relationships. We offer our contractors highly competitive, reliable and consistent tools that will assist them in growing their volume, improving customer satisfaction and increasing their profitability.

Financing Programs

The hallmark of 1st Security Bank’s Dealer Lending program is our no-fee installment loan at 144 months. We offer a number of other consumer-friendly options including deferred financing and 0% equal-payments:

  • No Fee Installment Loans: The program offers terms up to 144 months with extremely competitive rates (contact Craig or Blake for details). The rates and terms drive a very low payment. Why pay fees when you can get lower rates and longer terms with no-fees? The program will help you close more deals and maintain a higher margin.
  • Deferred loans: This program can be a deal-closer. We offer 3-month, 6-month 12-month and 18-month (18-month deferred not available in all areas) deferred financing. What sets this program apart is the fact that there is no retroactive interest after the deferred period! Very consumer friendly. Another unique feature is the 144 month back end term. You are able to offer your customers the option of:

i) Paying the loan off during the deferred period and paying no interest.
ii) No payments until 30 days after the deferred period ends. This means no payment for 4,7,13 or 19 months (depending on which program the customer chooses). No retroactive interest.

  • Specials: Ask us about our low rate specials and 0% equal payment specials on a limited time basis.
Features & Benefits
  • Low Payments: Easy close and the opportunity for up-selling.
  • Fast Application and Funding process: Approvals typically take 3-5 minutes. Most deals are funded overnight.
  • Multiple Programs: We have the program that will make your customer happy. Choose from Standard, Deferred, or 0% Equal Pay.
  • No-Fee options: Increase your profit margins.
  • Relationship Driven: We are accessible and easy to work with. We know our contractors and strive to deliver best in class service at every interaction.
  • Maintain Control of the Deal: No more waiting for customers to call back “after they have arranged financing.” You have a powerful financing tool and can control the process to minimize lost deals.
  • Electronic Signatures: Easy, fast, convenient.
  • Accessibility: Easy phone access to decision makers. This includes underwriters, funding department, sales department and operations. We are there to help.
  • No prepayment penalties: Consumer friendly.
  • Online Bill Pay for customers: Convenient and easy.
Our Process: Fast, Easy, Efficient

Fast and simple so you can focus your time on closing the next deal!

  1. Submit a credit application: online, email or fax. Decision typically takes minutes.
  2. Complete Loan Documents: When the loan is approved, you may generate loan documents from our website. We also offer the option of the 1st Security team completing the documents for you.
  3. Finish the Installation: Email or fax signed funding documents to our funding department. We start to fund your deal once the approved emailed or faxed documents are received.
  4. The deal is funded: We deposit the money in your account electronically and notify you of the deposit.

The entire team is available throughout the process to assist with any issues or questions. Fast and easy!


Submit a dealer application or contact:

Craig Brown
Blake Mittelstaedt

Become A Dealer Dealer Login Important Documents


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