About Excel Credit

*** We Finance Fun *** Have Some!!!

At Excel Credit, you will find a knowledgeable, professional, and personable team waiting to serve you. Our integrity, coupled with many years of experience, means that we will be able to deliver a financing package that will meet your needs. Each member of the Excel team brings value to the process which enables us to promptly provide you with flexible financing.

Excel Credit Staff

View Thomas Bell's profile on LinkedIn
Thomas H Bell

Tom is the President / CEO of Excel Credit, Inc., which is a specialty finance company that has provided lending services nationwide since 1993.

In 1993, after years of serving as a Finance Business Manager for major boat dealerships, Tom founded Excel Credit. He saw a need for a service that could provide highly competitive recreational lending direct to the consumer, as well as providing a valuable service to dealers who could not afford the high cost of an in house financing department. Excel Credit has been an active member of the National Marine Bankers Association since 1994 and Family Motor Coach Association since 2004.

Contact Information

Phone: (800) 337-7774 Ext. 2806

Direct Phone: (407) 712-2806


Steven J. Bell, II - Loan Officer

Steven earned his Bachelor of Arts degree with a major in International Business from Eckerd College in St. Petersburg, FL. After completing an internship with Excel Credit during his senior year of college, Steven joined full-time in June of 2014.  Steven’s current position as a Loan Officer is in keeping with his course of study, and his education in the field of finance makes him a valuable addition to the team.

Contact Information

Phone: (800) 337-7774 Ext. 2803

Direct Phone: (407) 712-2803

Crista Nooyen – Funding Coordinator

Crista started with Excel Credit in August of 2007 as our Funding Coordinator. She then left for two years to be a full time mom and returned to our team in November of 2013. Crista receives and organizes the customer’s funding document package and coordinates the disbursement of the loan proceeds to the appropriate parties. She works closely with buyers, sellers, insurance companies, inspection companies, and other agencies as required. Crista has a background in mortgage titling, recreational loan funding, and customer service. She has strong organizational and communication skills.

Contact Information

Phone: (800) 337-7774 Ext. 2802

Direct Phone: (407) 712-2802

Lova Harris – Loan Coordinator

Lova relocated from Sacramento, California where she was the executive administrator of a major charity. Upon arriving to the Orlando on December of 2015, she accepted this position with Excel Credit where she works closely with buyers and sellers. Lova is responsible for receiving new loan submissions, collecting closing required information, and preparing loan documents. She uses her administrative skills to effectively communicate with Buyers, Sellers, and Dealers/Brokers to make the loan process a most pleasant experience. Lova’s goal is to enable Excel Credit’s clientele to make their boat or RV ownership dreams into a reality so they can embark on their next adventure as soon as possible!

Contact Information

Phone: (800) 337-7774 Ext. 2804

Direct Phone: (407) 712-2804

Jennifer Doty – Loan Coordinator

Jennifer joined the Excel Credit team in 2016 as a Loan Coordinator. She has a background in customer service related fields and has spent a great deal of time working with people. As a loan coordinator, she works closely with buyers and sellers to answer any questions regarding loan documents and requirements in order to expedite loan and title packages to their respectable parties. Her attention to detail and strong work ethic make her an essential part of the Excel Credit team.

Contact Information

Phone: (800) 337-7774 Ext. 2807

Direct Phone: (407) 712-2807