Essex Credit, a division of Bank of the West, specializes in providing convenient, low-cost refinancing options to Sea Ray Owners Club members. Essex Credit has a network of specialized lenders ensuring the best refinace program and rates in the market place. Access to this network of lenders allows the Sea Ray Owners Club members to find the refinance loan that makes the most sense for each individual. Essex Credit provides security, trust, and privacy protection with the most feature-rich list of loan options available anywhere. Essex Credit offers Sea Ray Owners Club members some of the lowest refinance rates available, extended loan terms, and the ability to take the customer from application to closing in just 24 to 48 hours.