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Loan products that are eligible to use the BMO Express Loan Pay service include automobile auto loans, boat loans, or RV loans, please call The BMO Express Loan Pay service include automobile, boat, RV, personal loans, personal lines of credit, and business-purpose loans and lines of credit. When applying for a loan or a line of credit, we will look at your credit history to determine whether you qualify for the amount you hope to borrow. That's why.