Forum Discussion
RoyBell
Jun 03, 2015Explorer
Vulcan Rider wrote:RoyBell wrote:
They were touting 4.99% finance rates until I got the deal.
This is an easy one......for an outsider looking in.
IF they ever at any time during your personal communication with them quoted the 4.99 rate and then didn't honor it later......WALK.
The RV market is still WAY depressed. In Florida, it is WAY,WAY depressed with deep discounts even on new models. You don't have to deal with anyone who isn't 100% open and honest.
I also told them my credit score was 775 on my last purchase 2 months ago, it was 70 points less when they pulled it...so, I went from Excellent rating to Good (in their defense).
When I purchased my car they were talking about 2% rates. Finance time came and they were at 2.19. I told them no way. I was borrowing quite a bit (about 32K?) so it added up quickly, but with that credit score I should be lower. They claimed it was a special edition vehicle and blah blah blah. I said money to borrow is money to borrow, it shouldn't matter. I went on my phone while talking and showed him my local bank (Chase) was offering 1.99 on new cars. Then all of a sudden one of his banks offered my 1.89. I was ok with that. To get less I had to borrow less. I wasn't going to put down another $5,000 to save .1% on the loan. I will make more with it in the bank.
As for the purchase of the new one. I feel I got a great deal. They were pretty strong at 23K for the trailer but eventually got them to $20,400 outright (no trade) which was less than another dealer that had the lower tier model (shadow cruise vs radiance). I looked it up when I got home and used ones are listed at $20,000-23,000. Makes me feel a little better about the purchase 8-)
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