Forum Discussion

pk1023's avatar
pk1023
Explorer
Aug 18, 2014

Financing Survey

Hey all, I'd like to take a quick survey of the group. Basically, when you bought your Trailer/RV, did you finance? But, lets go a little deeper. Not just did you finance, but these questio...
Halmfamily's avatar
Halmfamily
Explorer
Aug 26, 2014
4x4ord wrote:
Halmfamily wrote:
I think we all need to agree to disagree on this subject. Happy camping and enjoy you rig however you paid for it.


Do you mean enjoy your rig regardless of who owns it?:)


However you wish to word it. We are all into rv'ing for the same reason regardless of how we paid or who holds the lien on the RV. If some people wait to save enough money to pay cash they may never achieve the rv'ing dream.
We financed so we could enjoy this lifestyle with our children and give them memories that we otherwise we could not have given them. I hold three debts, my house, my truck and my RV. Everything else is paid for and we pay cash for everything we need. I as others prefer to hold onto my cash and let my investments grow at a higher rate than the 5.25% my loan is at.

So again I say let's agree to disagree. Happy camping and enjoy your rig however you paid for it or whomever holds the lien.:B

About RV Newbies

4,030 PostsLatest Activity: Mar 20, 2025
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Basically, when you bought your Trailer/RV, did you finance? But, lets go a little deeper. Not just did you finance, but these questio...","body@stringLength":"679","rawBody":"Hey all,

I'd like to take a quick survey of the group.

Basically, when you bought your Trailer/RV, did you finance?

But, lets go a little deeper. Not just did you finance, but these questions too:

1. Did you make a down-payment in cash, if so what percentage?
2. What length of loan term did you go with?
3. Did you accept the lender offered by the dealer or bring your own?
4. How much percentage of your monthly income would have been too much?

The only thing I ask is let's not turn this into a \"look how good I am\" bragfest. Let's just answer the questions honestly and see how everyone else did theirs.","kudosSumWeight":0,"postTime":"2014-08-18T10:15:28.000-07:00","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"tags":{"__typename":"TagConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1375147_1"},"latestVersion":null,"metrics":{"__typename":"MessageMetrics","views":13165},"visibilityScope":"PUBLIC","canonicalUrl":null,"seoTitle":null,"seoDescription":null,"isEscalated":null,"placeholder":false,"originalMessageForPlaceholder":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}},"archivalData":null,"customFields":[],"body":"Hey all,

I'd like to take a quick survey of the group.

Basically, when you bought your Trailer/RV, did you finance?

But, lets go a little deeper. Not just did you finance, but these questions too:

1. Did you make a down-payment in cash, if so what percentage?
2. What length of loan term did you go with?
3. Did you accept the lender offered by the dealer or bring your own?
4. How much percentage of your monthly income would have been too much?

The only thing I ask is let's not turn this into a \"look how good I am\" bragfest. Let's just answer the questions honestly and see how everyone else did theirs."},"Conversation:conversation:1375147":{"__typename":"Conversation","id":"conversation:1375147","solved":false,"topic":{"__ref":"ForumTopicMessage:message:1375147"},"lastPostingActivityTime":"2014-09-05T11:48:26.000-07:00","lastPostTime":"2014-09-05T11:48:26.000-07:00","unreadReplyCount":121,"isSubscribed":false},"ModerationData:moderation_data:1375147":{"__typename":"ModerationData","id":"moderation_data:1375147","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"Revision:revision:1375147_1":{"__typename":"Revision","id":"revision:1375147_1","lastEditTime":"2014-08-18T10:15:28.000-07:00"},"ForumReplyMessage:message:1375258":{"__typename":"ForumReplyMessage","id":"message:1375258","conversation":{"__ref":"Conversation:conversation:1375147"},"author":{"__ref":"User:user:282995"},"revisionNum":1,"uid":1375258,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:RVNewbiesforum-board"},"subject":"Re: Financing Survey","readOnly":false,"editFrozen":false,"moderationData":{"__ref":"ModerationData:moderation_data:1375258"},"parent":{"__ref":"ForumTopicMessage:message:1375147"},"body":"
4x4ord wrote:
Halmfamily wrote:
I think we all need to agree to disagree on this subject. Happy camping and enjoy you rig however you paid for it.


Do you mean enjoy your rig regardless of who owns it?:)


However you wish to word it. We are all into rv'ing for the same reason regardless of how we paid or who holds the lien on the RV. If some people wait to save enough money to pay cash they may never achieve the rv'ing dream.
We financed so we could enjoy this lifestyle with our children and give them memories that we otherwise we could not have given them. I hold three debts, my house, my truck and my RV. Everything else is paid for and we pay cash for everything we need. I as others prefer to hold onto my cash and let my investments grow at a higher rate than the 5.25% my loan is at.

So again I say let's agree to disagree. Happy camping and enjoy your rig however you paid for it or whomever holds the lien.:B","body@stringLength":"1026","rawBody":"
4x4ord wrote:
Halmfamily wrote:
I think we all need to agree to disagree on this subject. Happy camping and enjoy you rig however you paid for it.


Do you mean enjoy your rig regardless of who owns it?:)


However you wish to word it. We are all into rv'ing for the same reason regardless of how we paid or who holds the lien on the RV. If some people wait to save enough money to pay cash they may never achieve the rv'ing dream.
We financed so we could enjoy this lifestyle with our children and give them memories that we otherwise we could not have given them. I hold three debts, my house, my truck and my RV. Everything else is paid for and we pay cash for everything we need. I as others prefer to hold onto my cash and let my investments grow at a higher rate than the 5.25% my loan is at.

So again I say let's agree to disagree. Happy camping and enjoy your rig however you paid for it or whomever holds the 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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: 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