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Eyetattoo's avatar
Eyetattoo
Explorer
May 07, 2015

Financing rates

Just wondering for those that have financed a new TH who did you go through and what were the terms? Thanks.
Toy Haulers

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  • nevadanick's avatar
    nevadanick
    Explorer
    May 08, 2015
    3.9% for 20 years and have the cash to pay it off if need be. I like the cushion.
  • Eyetattoo's avatar
    Eyetattoo
    Explorer
    May 08, 2015
    sin cal hd wrote:
    Ductape wrote:
    Cash should be invested. Never spend cash on a depreciating asset when you can borrow cheaply.


    2 words-Dave Ramsey.
    I understand the Ramsey concept but it is more referring to high interest rate loans/credit cards. If I can borrow at less than 5% Ill keep my cash invested in tax free bonds paying 4-5%.


    Back on topic......it sounds like 3-4.5% is the median depending on credit which is no problem at all.
  • Bedlam's avatar
    Bedlam
    Moderator
    May 08, 2015
    sin cal hd wrote:
    Ductape wrote:
    Cash should be invested. Never spend cash on a depreciating asset when you can borrow cheaply.


    2 words-Dave Ramsey.

    Agreed, but not everyone is patient enough to save for what they want. Not having any debt is very comforting for me even if I don't have more than my counterparts. The OP is looking for the best lender and rate, we should take this to another thread if others are interested.
  • AGC's avatar
    AGC
    Explorer
    May 08, 2015
    I was going to go with a local credit union but the rate went from 2.99% to 4.99% over the past three months. We're finalizing the deal on a MH and I just don't want to pay the higher rate.

    I started doing some research and found Lightstream (a division of Suntrust Bank) and their rate is about 2.99%-4.99% depending on your credit score.

    Wondering if anyone here get a loan from them
  • 09KZMXT266's avatar
    09KZMXT266
    Explorer
    May 08, 2015
    Just financed mine at State Farm Federal Credit Union 1.99% for 7 years.
  • sin_cal_hd's avatar
    sin_cal_hd
    Explorer
    May 08, 2015
    Ductape wrote:
    Cash should be invested. Never spend cash on a depreciating asset when you can borrow cheaply.


    2 words-Dave Ramsey.
  • jlud's avatar
    jlud
    Explorer
    May 08, 2015
    It really depends.....say you buy a 50k rv and have 25k cash....if you put it all down does it make your rate lower? What could you earn on 20k of that money vs paying say 4%? Are you disciplined enough to not spend that 20k if you didn't put it down? So many variables.....I would say 3-5% the norm depending on score and terms. I would not borrow above 5% myself right now. Car loans at less than 2% and house less than 2%....

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($fa-var-angle-up, $pseudo: before, $size: $theme-type-size-base, $color: $goodsam-gray-footer);\n padding-left: $theme-space-xsmall;\n padding-right: $theme-space-xsmall; */\n }\n }\n\n .dropdown-menu {\n background-color: #fff;\n border-radius: 4px;\n bottom: 100%;\n margin: 2px 0 0;\n min-width: 160px;\n padding: $theme-space-xsmall 0;\n position: absolute;\n right: 0;\n\n li {\n border-right: 0;\n float: none;\n text-align: left;\n\n @media screen and (max-width: 768px) {\n display: block;\n }\n\n a {\n color: $goodsam-gray;\n display: block;\n text-transform: none;\n\n &:hover {\n outline: 5px auto -webkit-focus-ring-color;\n outline-offset: -2px;\n }\n }\n }\n }\n }\n }\n}\n\n.footer-terms {\n display: flex;\n flex-direction: column;\n justify-content: center;\n align-items: center;\n padding: $theme-space-small 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n padding: 0;\n }\n\n > .row {\n padding-bottom: $theme-space-small;\n\n @media screen and (min-width: 992px) {\n padding-bottom: $theme-space-base;\n }\n\n &.footer-terms-order-1 {\n order: 1;\n }\n\n &.footer-terms-order-2 {\n order: 2;\n }\n }\n}\n\n.footer-bottom {\n @media screen and (min-width: 992px) {\n padding-top: $theme-space-small;\n }\n\n .footer-bottom-list-center {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n float: none;\n margin: 0 auto;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n display: inline;\n padding: 0 $theme-space-base;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid $goodsam-gray-700;\n padding: 0;\n\n &:first-child a {\n padding-left: 0;\n }\n\n &:last-child {\n border-right: 0;\n\n a {\n padding-right: 0;\n }\n }\n }\n\n a {\n display: inline-block;\n font-size: $theme-type-size-small;\n padding: $theme-space-small;\n\n @media screen and (min-width: 992px) {\n display: inline;\n font-size: $theme-type-size-xsmall;\n padding: 0 12px 0 $theme-space-small;\n }\n }\n }\n }\n}\n\n.copyright {\n color: $goodsam-gray-footer;\n font-size: $theme-type-size-base;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n margin-bottom: $theme-space-small;\n }\n}\n\n#gsFooterSocial,\n.gsFooterSocial {\n background: $goodsam-gray-200;\n padding: 0 calc($theme-space-small + $theme-space-xsmall);\n .footerSocialItems,\n #footerSocialItems {\n text-align: center;\n\n @media screen and (min-width: 767px) {\n text-align: left;\n }\n }\n\n .footerSocialItems ul,\n #footerSocialItems ul {\n list-style-type: none;\n margin: auto;\n padding-left: 0;\n\n li {\n display: inline;\n margin: 0 $theme-space-small;\n }\n }\n}\n","texts":{"custom.footer.col01.text.01":"Home","custom.footer.col01.url.01":"https://www.goodsam.com/","custom.footer.col01.text.02":"About Us","custom.footer.col01.url.02":"https://www.goodsam.com/about/","custom.footer.col01.text.03":"Contact Us","custom.footer.col01.url.03":"https://www.goodsam.com/contact","custom.footer.col01.text.04":"FAQ","custom.footer.col01.url.04":"https://www.goodsam.com/faq/","custom.footer.col01.text.05":"Site Map","custom.footer.col01.url.05":"https://www.goodsam.com/site-map.aspx","custom.footer.col02.text.01":"Code of Conduct","custom.footer.col02.url.01":"https://www.goodsam.com/code-of-conduct.aspx","custom.footer.col02.text.02":"Affiliate Program","custom.footer.col02.url.02":"https://www.goodsam.com/affiliate/","custom.footer.col02.text.03":"Become a Good Sam Campground","custom.footer.col02.url.03":"https://www.goodsamnetwork.com/","custom.footer.col02.text.04":"Good Sam Rewards Visa","custom.footer.col02.url.04":"https://www.goodsam.com/creditcard/","custom.footer.col02.text.05":"About Marcus Lemonis","custom.footer.col02.url.05":"https://www.goodsam.com/about-marcus-lemonis/","custom.footer.col03.text.01":"RV Sales","custom.footer.col03.url.01":"https://rv.campingworld.com/","custom.footer.col03.text.02":"RV Gear","custom.footer.col03.url.02":"https://www.campingworld.com/shop/","custom.footer.col03.text.03":"RV Maintenance & Repair","custom.footer.col03.url.03":"https://rv.campingworld.com/service/","custom.footer.col03.text.04":"Good Sam Membership & Services","custom.footer.col03.url.04":"https://www.goodsam.com/","custom.footer.col03.text.05":"Campground Solutions","custom.footer.col03.url.05":"https://campgroundsolutions.goodsam.com/","custom.footer.col04.text.01":"Helpful Articles and Tips","custom.footer.col04.url.01":"https://www.goodsam.com/article","custom.footer.col05.text.01":"Good Sam Apps","custom.footer.col05.url.01":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col05.text.02":"Take Good Sam apps on your next RV Trip!","custom.footer.col05.url.02":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col06.text.01":"Customer Service Phone Number:","custom.footer.col06.phone.number":"866-205-7451","custom.footer.col06.text.02":"Club contact number 866-205-7451","custom.footer.col06.url.02":"tel:866-205-7451","custom.footer.row01.logo.text":"Good Sam Home","custom.footer.row01.text.01":"Blog","custom.footer.row01.url.01":"http://blog.goodsam.com/","custom.footer.row01.text.02":"Careers","custom.footer.row01.url.02":"https://www.campingworldcareers.com/","custom.footer.row01.text.03":"Contact Us","custom.footer.row01.text.toggle":"Click to expand","custom.footer.row01.text.04":"Good Sam","custom.footer.row01.url.04":"https://www.goodsam.com/contact/","custom.footer.row01.text.05":"Camping World","custom.footer.row01.url.05":"https://www.campingworld.com/contact/","custom.footer.row01.text.06":"RV Sales","custom.footer.row01.url.06":"https://rv.campingworld.com/contact","custom.footer.row02.text.01":"Privacy Policy","custom.footer.row02.url.01":"https://www.goodsam.com/privacy-policy.aspx","custom.footer.row02.text.02":"California Privacy Rights","custom.footer.row02.url.02":"https://www.goodsam.com/privacy-policy.aspx#calinevada","custom.footer.row02.text.03":"Investor Relations","custom.footer.row02.url.03":"http://investor.campingworld.com","custom.footer.row02.text.04":"Terms of Use","custom.footer.row02.url.04":"https://www.goodsam.com/terms.aspx","custom.footer.row02.text.05":"Accessibility Commitment","custom.footer.row02.url.05":"https://www.goodsam.com/accessibility-commitment.aspx","custom.footer.row02.text.06":"Team Member Assistance","custom.footer.row02.url.06":"https://www.goodsam.com/helping-hand","custom.footer.social.facebook.text":"Facebook","custom.footer.social.facebook.url":"https://www.facebook.com/GoodSam","custom.footer.social.twitter.text":"Twitter","custom.footer.social.twitter.url":"https://twitter.com/GoodSam","custom.footer.social.youtube.text":"YouTube","custom.footer.social.youtube.url":"https://www.youtube.com/user/goodsamrvers","custom.footer.social.instagram.text":"Instagram","custom.footer.social.instagram.url":"https://www.instagram.com/goodsam/?hl=en","custom.footer.social.pinterest.text":"Pinterest","custom.footer.social.pinterest.url":"https://www.pinterest.com/goodsam/","custom-community-footer-copyright.text":"© {0} Good Sam Enterprises, LLC. All rights reserved."},"defaults":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"components":[{"id":"custom.widget.CustomFooter","form":null,"config":null,"props":[],"__typename":"Component"}],"grouping":"CUSTOM","__typename":"ComponentTemplate"},"properties":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"form":null,"__typename":"Component","localOverride":false},"globalCss":{"css":".custom_widget_CustomFooter_footer-wrapper_hp49n_21 {\n background: #474442;\n\n a {\n color: #dfdfdf;\n font-weight: 100;\n\n &:focus,\n &:hover {\n color: #dfdfdf;\n }\n }\n}\n.custom_widget_CustomFooter_sr-only_hp49n_34 {\n position: absolute;\n width: 0.0625rem;\n height: 0.0625rem;\n margin: -0.0625rem;\n padding: 0;\n overflow: hidden;\n clip: rect(0, 0, 0, 0);\n border: 0;\n}\n.custom_widget_CustomFooter_footer_hp49n_21 {\n line-height: 1.25rem;\n /* margin-left: auto;\n\tmargin-right: auto;\n\tpadding-left: $bootstrap-padding;\n\tpadding-right: $bootstrap-padding; */\n}\n.custom_widget_CustomFooter_container_hp49n_52 {\n margin-left: auto;\n margin-right: auto;\n max-width: 73.125rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n}\n.custom_widget_CustomFooter_row_hp49n_60 {\n /* HOTFIX - PSDS-32115 - Remove negative margins to fix mobile display */\n\n &::after {\n clear: both;\n }\n\n &::after,\n &::before {\n content: ' ';\n display: table;\n }\n}\n.custom_widget_CustomFooter_col_hp49n_74 {\n float: left;\n min-height: 0.0625rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n position: relative;\n}\n.custom_widget_CustomFooter_col-xs-10_hp49n_82,\n.custom_widget_CustomFooter_col-sm-10_hp49n_83 {\n width: 83.33333333%;\n}\n.custom_widget_CustomFooter_col-xs-12_hp49n_87,\n.custom_widget_CustomFooter_col-sm-4_hp49n_88,\n.custom_widget_CustomFooter_col-sm-12_hp49n_89,\n.custom_widget_CustomFooter_col-md-2_hp49n_90,\n.custom_widget_CustomFooter_col-md-8_hp49n_91,\n.custom_widget_CustomFooter_col-md-10_hp49n_92,\n.custom_widget_CustomFooter_col-md-12_hp49n_93,\n.custom_widget_CustomFooter_col-lg-2_hp49n_94,\n.custom_widget_CustomFooter_col-lg-8_hp49n_95,\n.custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n}\n@media screen and (min-width: 767px) {\n .custom_widget_CustomFooter_col-md-2_hp49n_90 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-8_hp49n_91 {\n width: 66.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-10_hp49n_92 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-md-12_hp49n_93 {\n width: 100%;\n }\n}\n@media screen and (min-width: 992px) {\n .custom_widget_CustomFooter_col-lg-2_hp49n_94 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-lg-4_hp49n_123 {\n /* faking it; should be 33.33333333% */\n width: 25%;\n }\n\n .custom_widget_CustomFooter_col-lg-8_hp49n_95 {\n /* faking it; should be 66.66666667% */\n width: 75%;\n }\n\n .custom_widget_CustomFooter_col-lg-10_hp49n_133 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n }\n}\n.custom_widget_CustomFooter_pull-left_hp49n_142 {\n float: left;\n width: 100%;\n\n @media screen and (min-width: 767px) {\n float: none;\n width: auto;\n }\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n}\n.custom_widget_CustomFooter_pad-bottom-20_hp49n_156 {\n padding-bottom: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-20_hp49n_160 {\n padding-top: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-30_hp49n_164 {\n padding-top: calc(0.9375rem * 2);\n}\n.custom_widget_CustomFooter_pad-top-40_hp49n_168 {\n @media screen and (min-width: 992px) {\n padding-top: 2.5rem;\n }\n}\n.custom_widget_CustomFooter_margin-left-20_hp49n_174 {\n @media screen and (min-width: 992px) {\n margin-left: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_margin-top-20_hp49n_180 {\n @media screen and (min-width: 992px) {\n margin-top: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_text-center_hp49n_186 {\n text-align: center;\n}\n.custom_widget_CustomFooter_text-right_hp49n_190 {\n text-align: right;\n}\n.custom_widget_CustomFooter_text-smaller_hp49n_194,\n.custom_widget_CustomFooter_text-small_hp49n_194 {\n font-size: 0.75rem;\n}\n.custom_widget_CustomFooter_text-large_hp49n_199 {\n font-size: 1.25rem;\n}\n.custom_widget_CustomFooter_footer-contact_hp49n_203 {\n p {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n .custom_widget_CustomFooter_text-small_hp49n_194 {\n @media screen and (max-width: 991px) {\n font-size: 1rem;\n }\n }\n }\n\n .custom_widget_CustomFooter_icon-gs-app_hp49n_221 {\n margin-right: 1.25rem;\n max-width: 2.375rem;\n padding-right: 0.125rem;\n padding-top: 0.125rem;\n\n @media screen and (min-width: 992px) {\n margin-left: 8.75rem;\n margin-right: 0;\n }\n }\n\n .custom_widget_CustomFooter_gsi-icon-phone_hp49n_233 {\n margin-bottom: -0.125rem;\n margin-right: 0.625rem;\n max-height: 1.25rem;\n width: 1.25rem;\n\n @media screen and (min-width: 992px) {\n margin-right: 0;\n }\n }\n}\n.custom_widget_CustomFooter_footer-link_hp49n_245 {\n a,\n button {\n color: #dfdfdf;\n padding: 0 0.75rem 0 0.625rem;\n }\n\n li:last-child a {\n padding-right: 0;\n }\n}\n.custom_widget_CustomFooter_footer-top-links_hp49n_257 {\n padding-left: 0;\n list-style: none;\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n margin-bottom: 0.625rem;\n font-size: 1rem;\n\n @media screen and (max-width: 480px) {\n flex-direction: column;\n }\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n margin-bottom: 1.25rem;\n padding: 0 1.25rem;\n\n @media screen and (min-width: 992px) {\n padding: 0;\n }\n }\n}\n.custom_widget_CustomFooter_footer-top_hp49n_257 {\n border-bottom: 2px solid #c7c7c7;\n display: block;\n margin: auto;\n padding-top: 0.625rem;\n text-align: center;\n\n @media screen and (min-width: 992px) {\n text-align: left;\n }\n\n .custom_widget_CustomFooter_footer-logo_hp49n_297 {\n max-height: 3.75rem;\n max-width: 8.75rem;\n padding: 0.625rem;\n padding-left: 0;\n padding-top: 0;\n }\n\n .custom_widget_CustomFooter_footer-list_hp49n_305 {\n display: flex;\n justify-content: center;\n align-items: center;\n list-style: none;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n float: right;\n }\n\n li {\n display: inline-block;\n padding: 0.625rem 0.3125rem;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid #666;\n float: left;\n padding: 0;\n\n &:last-child {\n border-right: 0;\n }\n }\n\n a,\n button {\n font-size: 0.75rem;\n text-transform: uppercase;\n\n @media screen and (max-width: 768px) {\n display: block;\n padding: 0.625rem;\n }\n\n @media screen and (min-width: 992px) {\n font-size: 0.875rem;\n }\n }\n\n .custom_widget_CustomFooter_dropup_hp49n_346 {\n background-clip: padding-box;\n border: none;\n font-size: 0.875rem;\n list-style: none;\n padding-left: 0.3125rem;\n position: relative;\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n\n &:hover {\n .custom_widget_CustomFooter_dropdown-menu_hp49n_359 {\n display: block;\n }\n }\n }\n\n .custom_widget_CustomFooter_footer-dropup-toggle_hp49n_365 {\n background: none;\n border: 0;\n padding: 0;\n\n .custom_widget_CustomFooter_fa-angle-up_hp49n_370 {\n /* @include li-icon ($fa-var-angle-up, $pseudo: before, $size: $theme-type-size-base, $color: $goodsam-gray-footer);\n padding-left: $theme-space-xsmall;\n padding-right: $theme-space-xsmall; */\n }\n }\n\n .custom_widget_CustomFooter_dropdown-menu_hp49n_359 {\n background-color: #fff;\n border-radius: 0.25rem;\n bottom: 100%;\n margin: 0.125rem 0 0;\n min-width: 10rem;\n padding: 0.3125rem 0;\n position: absolute;\n right: 0;\n\n li {\n border-right: 0;\n float: none;\n text-align: left;\n\n @media screen and (max-width: 768px) {\n display: block;\n }\n\n a {\n color: #474442;\n display: block;\n text-transform: none;\n\n &:hover {\n outline: 5px auto -webkit-focus-ring-color;\n outline-offset: -2px;\n }\n }\n }\n }\n }\n }\n}\n.custom_widget_CustomFooter_footer-terms_hp49n_412 {\n display: flex;\n flex-direction: column;\n justify-content: center;\n align-items: center;\n padding: 0.625rem 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n padding: 0;\n }\n\n > .custom_widget_CustomFooter_row_hp49n_60 {\n padding-bottom: 0.625rem;\n\n @media screen and (min-width: 992px) {\n padding-bottom: 1.25rem;\n }\n\n &.custom_widget_CustomFooter_footer-terms-order-1_hp49n_431 {\n 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Financing rates","moderationData":{"__ref":"ModerationData:moderation_data:1814288"},"body":"USAA at 5%. Very good to work with","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"35","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-05-11T04:57:25.000-07:00","lastPublishTime":"2015-05-11T04:57:25.000-07:00","metrics":{"__typename":"MessageMetrics","views":493},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:FifthWheel/category:TRAVELCENTER/community:feyqc97479board:FifthWheelforum-board/message:1814262/message:1814288","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:103343":{"__typename":"User","id":"user:103343","uid":103343,"login":"nevadanick","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2007-11-25T15:58:10.000-08:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-10.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:103343"},"ModerationData:moderation_data:1814287":{"__typename":"ModerationData","id":"moderation_data:1814287","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1814287":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:103343"},"id":"message:1814287","revisionNum":1,"uid":1814287,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:FifthWheelforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1814262"},"conversation":{"__ref":"Conversation:conversation:1814262"},"subject":"Re: Financing rates","moderationData":{"__ref":"ModerationData:moderation_data:1814287"},"body":"3.9% for 20 years and have the cash to pay it off if need be. I like the cushion.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"81","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-05-08T04:52:00.000-07:00","lastPublishTime":"2015-05-08T04:52:00.000-07:00","metrics":{"__typename":"MessageMetrics","views":493},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:FifthWheel/category:TRAVELCENTER/community:feyqc97479board:FifthWheelforum-board/message:1814262/message:1814287","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"ModerationData:moderation_data:1814286":{"__typename":"ModerationData","id":"moderation_data:1814286","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1814286":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:396499"},"id":"message:1814286","revisionNum":1,"uid":1814286,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:FifthWheelforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1814262"},"conversation":{"__ref":"Conversation:conversation:1814262"},"subject":"Re: Financing rates","moderationData":{"__ref":"ModerationData:moderation_data:1814286"},"body":"
sin cal hd wrote:
Ductape wrote:
Cash should be invested. Never spend cash on a depreciating asset when you can borrow cheaply.


2 words-Dave Ramsey.
I understand the Ramsey concept but it is more referring to high interest rate loans/credit cards. If I can borrow at less than 5% Ill keep my cash invested in tax free bonds paying 4-5%.


Back on topic......it sounds like 3-4.5% is the median depending on credit which is no problem at all.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-05-07T21:21:17.000-07:00","lastPublishTime":"2015-05-07T21:21:17.000-07:00","metrics":{"__typename":"MessageMetrics","views":493},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:FifthWheel/category:TRAVELCENTER/community:feyqc97479board:FifthWheelforum-board/message:1814262/message:1814286","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"Rank:rank:49":{"__typename":"Rank","id":"rank:49","position":1,"name":"Moderator","color":"333333","icon":null,"rankStyle":"TEXT"},"User:user:1659":{"__typename":"User","id":"user:1659","uid":1659,"login":"Bedlam","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2012-06-13T11:02:40.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/images/dS0xNjU5LTM3aTkxM0RCQzAxNDMxNTcxRjQ"},"rank":{"__ref":"Rank:rank:49"},"entityType":"USER","eventPath":"community:feyqc97479/user:1659"},"ModerationData:moderation_data:1814285":{"__typename":"ModerationData","id":"moderation_data:1814285","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1814285":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:1659"},"id":"message:1814285","revisionNum":1,"uid":1814285,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:FifthWheelforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1814262"},"conversation":{"__ref":"Conversation:conversation:1814262"},"subject":"Re: Financing rates","moderationData":{"__ref":"ModerationData:moderation_data:1814285"},"body":"
sin cal hd wrote:
Ductape wrote:
Cash should be invested. Never spend cash on a depreciating asset when you can borrow cheaply.


2 words-Dave Ramsey.

Agreed, but not everyone is patient enough to save for what they want. Not having any debt is very comforting for me even if I don't have more than my counterparts. The OP is looking for the best lender and rate, we should take this to another thread if others are interested.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-05-07T20:42:54.000-07:00","lastPublishTime":"2015-05-07T20:42:54.000-07:00","metrics":{"__typename":"MessageMetrics","views":491},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:FifthWheel/category:TRAVELCENTER/community:feyqc97479board:FifthWheelforum-board/message:1814262/message:1814285","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:100000":{"__typename":"User","id":"user:100000","uid":100000,"login":"AGC","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2003-07-25T11:45:53.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-4.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:100000"},"ModerationData:moderation_data:1814284":{"__typename":"ModerationData","id":"moderation_data:1814284","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1814284":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:100000"},"id":"message:1814284","revisionNum":1,"uid":1814284,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:FifthWheelforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1814262"},"conversation":{"__ref":"Conversation:conversation:1814262"},"subject":"Re: Financing rates","moderationData":{"__ref":"ModerationData:moderation_data:1814284"},"body":"I was going to go with a local credit union but the rate went from 2.99% to 4.99% over the past three months. We're finalizing the deal on a MH and I just don't want to pay the higher rate.

I started doing some research and found Lightstream (a division of Suntrust Bank) and their rate is about 2.99%-4.99% depending on your credit score.

Wondering if anyone here get a loan from them","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-05-07T19:37:12.000-07:00","lastPublishTime":"2015-05-07T19:37:12.000-07:00","metrics":{"__typename":"MessageMetrics","views":491},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:FifthWheel/category:TRAVELCENTER/community:feyqc97479board:FifthWheelforum-board/message:1814262/message:1814284","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:137296":{"__typename":"User","id":"user:137296","uid":137296,"login":"09KZMXT266","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2009-04-06T18:49:48.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-6.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:137296"},"ModerationData:moderation_data:1814283":{"__typename":"ModerationData","id":"moderation_data:1814283","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1814283":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:137296"},"id":"message:1814283","revisionNum":1,"uid":1814283,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:FifthWheelforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1814262"},"conversation":{"__ref":"Conversation:conversation:1814262"},"subject":"Re: Financing rates","moderationData":{"__ref":"ModerationData:moderation_data:1814283"},"body":"Just financed mine at State Farm Federal Credit Union 1.99% for 7 years.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"72","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-05-07T19:24:55.000-07:00","lastPublishTime":"2015-05-07T19:24:55.000-07:00","metrics":{"__typename":"MessageMetrics","views":491},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:FifthWheel/category:TRAVELCENTER/community:feyqc97479board:FifthWheelforum-board/message:1814262/message:1814283","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:80381":{"__typename":"User","id":"user:80381","uid":80381,"login":"sin_cal_hd","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2006-02-01T18:00:32.000-08:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-3.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:80381"},"ModerationData:moderation_data:1814282":{"__typename":"ModerationData","id":"moderation_data:1814282","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1814282":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:80381"},"id":"message:1814282","revisionNum":1,"uid":1814282,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:FifthWheelforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1814262"},"conversation":{"__ref":"Conversation:conversation:1814262"},"subject":"Re: Financing rates","moderationData":{"__ref":"ModerationData:moderation_data:1814282"},"body":"
Ductape wrote:
Cash should be invested. Never spend cash on a depreciating asset when you can borrow cheaply.


2 words-Dave Ramsey.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"136","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-05-07T18:45:12.000-07:00","lastPublishTime":"2015-05-07T18:45:12.000-07:00","metrics":{"__typename":"MessageMetrics","views":491},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:FifthWheel/category:TRAVELCENTER/community:feyqc97479board:FifthWheelforum-board/message:1814262/message:1814282","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:69800":{"__typename":"User","id":"user:69800","uid":69800,"login":"jlud","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2013-08-14T23:56:49.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-4.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:69800"},"ModerationData:moderation_data:1814281":{"__typename":"ModerationData","id":"moderation_data:1814281","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1814281":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:69800"},"id":"message:1814281","revisionNum":1,"uid":1814281,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:FifthWheelforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1814262"},"conversation":{"__ref":"Conversation:conversation:1814262"},"subject":"Re: Financing rates","moderationData":{"__ref":"ModerationData:moderation_data:1814281"},"body":"It really depends.....say you buy a 50k rv and have 25k cash....if you put it all down does it make your rate lower? What could you earn on 20k of that money vs paying say 4%? Are you disciplined enough to not spend that 20k if you didn't put it down? So many variables.....I would say 3-5% the norm depending on score and terms. I would not borrow above 5% myself right now. 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