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I was directed by my broker to try Essex for my boat loan. I was putting 50% down on the purchase price and have a 729 credit score and more than sufficient income for this loan. My debt-income ratio is also very good.

All I got back from these bozos was an e-mail auto-response stating that I was declined and would get a letter in 30 days. What the ***? Now I have a ding on my credit report and no reason why.

This is my first and LAST dealings with Essex. Don't go here for a loan with this outfit. They are just another crappy outfit hiding behind their online website!

Review about: Essex Credit Loan.

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Casselberry, Florida, United States #1298020

I am having the same problem with all lenders. Did you finally get the loan and with whom.


Similar situation and same treatment. Extremely difficult to reach on the phone.

No explanations. Over 730 credit score, excelent debt-income score.

Only a computer generated denied letter and condescending treatment on the phone. Stay away from them.


Wanted to get a pre-approval for loan of about $150,000. Very little debt.

Have a net worth in excess of 3 million, credit score approaching 800, submitted credit app, financial statement now they want copies of recent bank and retirement fund statements, including two years of tax returns. looking at yacht $200,000 paying cash down $40,000 and unable to get anyone to return a phone call.

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