Financing Rates These Days

Grit dog wrote:

lawnspecialties wrote:

Grit dog wrote:
I guess this type of stuff is hard to look up on the same internet one uses to access this forum, so I did it for you.
The credit Union we used to use for loans says 6.5% on RVs and 5.75% on vehicles.
But your credit may vary, so this is a silly question. We don’t know your overall creditworthiness.

Seems every camping trip we've taken (since 2004) to any fairly popular RV park, there's this one guy who hardly ever talks to anyone and nobody talks to him. He acts all bad-ace as if he thinks everyone is admiring his mediocre and average rig. In his mind, his HD truck was somehow produced as a fluke and has twice the torque and HP as all the others that came off the assembly line that day. His 38' camper is actually the largest and heaviest ever produced. Hence the 1000HP and 2000 lb/ft of torque.

In reality, nobody's looking at his rig because they don't really care. Their more involved with their friends and family. The main reason he doesn't talk to anyone is because he doesn't really know how to be friendly. Being a hard-ace is his safe place because it allows him to continue believing everyone is gawking at how awesome he is.

So we just let him go on being that way. We'd love to strike up a conversation and maybe even invite him and his wife over to our group campfire but it just seems he doesn't want to be bothered.

It would have been nice to just have them come over, contribute to our conversation, and we'd all have a great weekend.

Simmer down, bud…
And you have a very vivid imagination I see….
Or just a funny guy, idk.
Shoot, I help /assist more people, just in this forum each week than you have in a 12month search of your posts here. Although with the age degeneration here, it’s hard for people to take advice they don’t want to hear. (A crazy phenomenon with only this forum compared to the others I’m on).
When’s the last time you’ve given any tangible help here and not just posted about the truck you’ve apparently been trying to buy for years now or similar experiences you’re “sharing” with the group.
You don’t know me…not a tough guy, and I understand exactly how much power my truck does or doesn’t have….wherever that comment came from… But if you even remotely paid attention, and wanted to learn something, you’d realize I know a thing or 2 about vehicles and RVs and the mechanics of them, and I willingly share that info with folks who have questions.

Now go call your bank and find out what the interest rates are. Or if you’d like, post up your SSN and credit score and I can get you a real quote for the loans…cause I’m a nice guy despite your little rant and hurt feelers. Lol

This is just fun. You know, in the real world a smart person can’t p!ss off everyone who’s wrong by telling them what is right. Bad for business and bad for the career.
But honesty is easier when you don’t answer to the folks who are wrong.
Cheers have a good day.

It's all good.

You see, I haven't researched all your posts in the past so I don't have any idea how many people you help on a regular basis. I just know I asked a simple question and your response came off rather snarky. But since you've been the one to clearly tell me you're a nice guy and you've helped countless people here, then I'll take it at that.

For all the others who have responded. One thing I've learned in the financing world is no matter how much research you do, there is usually that one company that you've never heard of that is offering some kind of great rate or some kind of special deal. That's how I found one of the three credit unions I'm a member of. I can check my credit unions and my local bank I deal with, but there's almost always some company out there that can beat them if you look hard enough. Credit Unions usually aren't big fans of financing RVs; especially towables. Bank of the West has beat my credit unions twice in the past.

A prime example is when you buy a new truck and even though your credit union is at ???, some specific financing institution across the country has some special thing they're doing to try to lure new customers or they know they have to dig deep to get those new customers who have never heard of them before. They may even have some deal worked out with that manufacturer or dealership. That's what I'm looking for. I'd much rather know before I walk in the dealership's door if something like that exists today.

I assumed I could ask here on the forum site because that's the kind of thing people do here.