Financing a truck camper

skipro3 wrote:

kerry4951 wrote:
When I see someone bragging about the great price that they paid for their RV, I figure chances are that same person has a loan out on their new toy and until its paid off they will have paid back a ton of interest. Now that cheap RV wasn't so cheap. So many borrowers never figure in the total pay back on their loan. I paid too much for my TC when I bought it, but I was fortunate enough to be able to pay cash, so I guess I got a good deal after all.

So, you are saying, instead of a cash discount, you paid a cash premium??? That's just plain insane. Cash talks. Usually. and will get you a better price than financing. Except when they feed you a line....

Why didn't you just get the lower financing rate, then pay it all off in full the next month when the monthly payment was due? Then you would have the lowest price and no finance charges.

I agree, normally cash does talk, unless you are buying in the east. Prices here on TCs are much less negotiable as a general rule of thumb compared to prices from western dealers. My next purchase will be in Oregon where I will get a better cash purchase price, save on shipping, and no sales tax, since TCs are not registered in Pa. This was my first TC purchase and I wanted to buy locally in case I needed a close by dealer. I also never realized the price differences from east to west on TCs. Its an area where I did not do as much homework as I should have.