How to get a loan for RV

mich800 wrote:

et cetera wrote:
Looking at all the forums, none are a perfect fit so will ask here, my apologies if not the best sub-forum.

Trying to figure out how much I can get in a loan. I need some help with loan basics as I've never gotten one before.
And how much I get will drive my purchase decision, alternating between B-class and C-class. I full-timed in a 32' TT before but it was bought with cash. Anyway, that's immaterial.


I have no debt, no bankruptcies, my credit history is this: TransUnion is 705, Equifax is 630 via CreditKarma. I don't have the FICO score. I am hoping to get at least 40K but where do I go, my bank or maybe Navy Federal Credit Union, or what?

Do yourself a favor and get your real fico scores so you have a general idea what tier you would be in for a loan. Credit Karma scores are worthless for anything other than entertainment.

Then it generally comes down to debt to income ratios the lender uses.

WrongCredit Karma score are totally sufficient to watch your numbers. I have depended on CK for years and their figures are never more than oneor two points different.
Are they what your lender uses? No but they are derived from the same data, and are accurate.