Hello everyone! I truly hope I can get some help because I feel pretty lost. My partner and I want to full time. We want to travel (not extremely often to keep the gas cost down) but that is our objective. However. Both of us have not so fantastic credit. I applied at sefinancial since they accept lower credit and as I pretty much expected I was denied. For quite a list of things so I suppose it'll be up to my partner. However a lot of bad credit places say you cannot be a full timer. I'm not trying to do anything bad but how would the financial institution know you are full timing? I wouldn't want to do anything to breech a contract but how would they know?Regardless the thing that stops us is our bad credit. Anyone know any loan places that could help with this issue? There's quite a few class As that aren't a bad price at all but credit stops us. People say "pay cash" however I don't have that kind of full amount to just hand over lol. So any help would really be appreciated. This is a dream of ours and I won't stop until this is our reality. Thank you.

Welcome to the forums! Try banking at a credit union for awhile and then apply there.Miles

My car loan is through a credit union. I could check with them, I feel like as far as my auto loan I'm in fantastic standing with them however the stuff on my credit score will be my downfall. Can't hurt to talk to them I suppose!Thanks!

Danek wrote:My car loan is through a credit union. I could check with them, I feel like as far as my auto loan I'm in fantastic standing with them however the stuff on my credit score will be my downfall. Can't hurt to talk to them I suppose!Thanks!It always pays to contact a place where you have good history.

Full timing might mean No real Job and No set address... so how would they find the person taking the loan.. or the Camper.Not saying you are or will. but the question of a bank..maybe offer information to them before ask for a loan.for wife and I, we knew when we retired.. we would travel but keep our home.. Saved for years .. for a truck and trailer.trailer (used) was cash, truck (used) has a loan.

The desire to travel in a RV is strong, I get that. However, RVing is not cheap, and without adequate resources, one will probably fail. This is a RV forum, not a life counseling forum, but that, my friend, is what you need. You need to focus on getting your financial house in order, and then begin accessing your dream of RVing. Dave Ramsey's book, "The Total Money Makeover" is a good place to start.

Financing | Good Sam Community

25 Replies

DownTheAvenue
Explorer
Aug 21, 2016
The desire to travel in a RV is strong, I get that. However, RVing is not cheap, and without adequate resources, one will probably fail. This is a RV forum, not a life counseling forum, but that, my friend, is what you need. You need to focus on getting your financial house in order, and then begin accessing your dream of RVing. Dave Ramsey's book, "The Total Money Makeover" is a good place to start.
Chuck_thehammer
Explorer
Aug 21, 2016
Full timing might mean No real Job and No set address... so how would they find the person taking the loan.. or the Camper.

Not saying you are or will. but the question of a bank..

maybe offer information to them before ask for a loan.

for wife and I, we knew when we retired.. we would travel but keep our home.. Saved for years .. for a truck and trailer.
trailer (used) was cash, truck (used) has a loan.
Mandalay_Parr
Explorer
Aug 21, 2016
Danek wrote:
My car loan is through a credit union. I could check with them, I feel like as far as my auto loan I'm in fantastic standing with them however the stuff on my credit score will be my downfall. Can't hurt to talk to them I suppose!

Thanks!

It always pays to contact a place where you have good history.
Danek
Explorer
Aug 21, 2016
My car loan is through a credit union. I could check with them, I feel like as far as my auto loan I'm in fantastic standing with them however the stuff on my credit score will be my downfall. Can't hurt to talk to them I suppose!

Thanks!
Son_of_Norway
Explorer
Aug 21, 2016
Welcome to the forums! Try banking at a credit union for awhile and then apply there.

Miles

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