If purchasing, where would you go to find financing?

Horizon Credit Union in Spokane, Wa Just got 3.74%. They specialize in RV loans

I got 2.99% through our credit union that's pretty hard to beat.

ramyankee wrote:
And ours would probably be a used unit.....
Thanks

Bank of Mom & Dad. Excellent rates (yes, I =do= pay interest) and no credit check. :-)

Lyle

ependydad wrote:
For new- Bank of America beat the pants off of my 3 credit unions.

The dealer arranged financing on our WhiteHawk was through Bank of America Specialty Vehicles. Was the lowest quote of dealer's multiple finance sources, including my efforts to find low rate financing. Was surprised, because that isn't always the case.

Merrykalia wrote:
One of the 3 credit unions that we belong to. Whichever had the best rates unless the dealer could beat it.

Affiliated with 3 myself and did exactly as you.

I just got a better deal from my 401k and had the check in two days. Craig

I go in with my own terms after shopping my banks.... then let the dealer beat it or take a check.
No equity loans for me. If the asset will not support the loan then I don't want the deal.

Our credit union has these rates, as of this minute:
Per $1,000 financed is the $42.98, $29.08, etc.
Up to 24 months 2.99% $42.98
25-36 months 2.99% $29.08
37-66 months 2.99% $16.46
67-75 months 2.99% $14.64
76-84 months 3.99% $13.67

I've used Southeast Financial who brokers RV And Boat loans through banks - I got the best rates, excellent customer service, discount for automatic deduction payments, and a check overnighted to our house. My local credit unions couldn't touch the RV or Boat loan rates I received through them. Great people with same day online approvals.

I have to echo the credit union. Granted, we are in somewhat better shape with home equity. Rather than do a separate home equity loan, we refinanced the house and pulled equity out. We originally had 6 yrs left, at 5%. Now we have to pay for 8 yrs at 2 1/8th percent - and we own a fifth! Even with closing costs, we're far ahead on what the home loan plus RV loan would have been. On a straight RV loan, for new, both the CU and the dealer quoted the same interest rate - 5 3/4%. But it was the CU that was willing to write a low 8 yr fixed mortgage that tipped the balance.