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Old 07-05-2016, 03:15 AM   #1
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Join Date: Jul 2016
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5r buying questions.

1. I don't have a TV so when I go to buy a rig it will be the whole shebang at least in close order and I'm wondering how this will go with the bank. If I buy the cart that debt might cause me to fail to qualify for the loan on the horse and vice versa. Anyone have any advice on this? I'm thinking buy the 5r using my bank and then buying the truck from the dealer using their financing since they tend to have decent rates and more lenient lending but I'd hate to get stuck with half a rig.

2. I'm just getting started researching this and have been watching youtubes of various models and trying to get a feel for pricing. One video (forget the model but brand new) had the MSRP as $61K and the asking price was under $45K. Is this a typical markup? Over 25%? I know the MSRP is set high to give the dealers wiggle room but that seems like a lot. If 25% is not uncommon the idea of RVing looks even better.

3. Buying from stock as opposed to ordering exactly what you want. As noted above it seems like the MSRP has a big markup for units in stock. If someone wanted to order a particular model with particular features, would they have to pay MSRP or would they still be able to get a decent deal? Just wondering on other's experiences here as I'm sure different dealers work differently.

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Old 07-05-2016, 09:12 AM   #2
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How about simply asking your Bank loan officer to pre-approve you for both loans? Use this information to help stay within your budget and to shop for a better loan deal. Worst case scenerio, financially, will be that you end up paying the pre-approved terms.

Dealers typically have a lot of room to discount down from MSRP. This will apply if you order or buy off the lot. You could expect the same discount either way.

When researching our purchase we found the forums and you tube to be great places to learn about RVing. Certainly helps to remove the "blinders" and make for more informed decisions. Dig deep and read about all aspects prior to making a move.

Good luck!

Doug & Cindy
2014 Cedar Creek 36ckts, Disc Brakes, EMS, Trav'lr
2016 Ram 3500 CCLB DRW CTD Aisin 4x4, 3.73, RASS, Andersen Ultimate Aluminum II
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Old 07-05-2016, 02:24 PM   #3
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Originally Posted by DJNCJ View Post
How about simply asking your Bank loan officer to pre-approve you for both loans? Use this information to help stay within your budget and to shop for a better loan deal. Worst case scenerio, financially, will be that you end up paying the pre-approved terms.
That won't help if you're on a debt/income threshold. Pre-approval is point in time. Talk to your bank loan officer about what you want to do and the fact that you're about to buy over $100k (likely) in rapidly-depreciating assets...
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Old 07-08-2016, 08:52 AM   #4
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20-30% off MSRP is what you should expect. In other words, be willing to walk if the dealer wants more than 80% of the MSRP as the final number. The time of year makes a difference too. Dealers are busiest in the spring and the market tends to be in the dealer's favor. The difference is stock and an ordered unit is the motivation of the dealer to reduce their profit margin to make the sale. RVT.com and RVtrader.com are great places to look at models from across the country and see just how steep the discounts can be. In general, RV financing is harder than vehicles as most consider them a luxury vs. a necessity.

Good luck!
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Old 07-14-2016, 10:44 PM   #5
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Old 07-15-2016, 08:51 AM   #6
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Watch the little things... When we recently bought our (new) 5vr,, the dealer wanted $785 to put a battery in it and clean it up... WHAT ????? Who buys a car with no battery? This was a Brand New unit !!! We just looked at each other in "your kidding me ???" and started to walk out... We are done here... Needless to say they forgot about that charge.... Idiots...............
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Old 07-15-2016, 11:50 AM   #7
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I did a similar thing. Just manage the timing so credit checks are done before you incur the debt. For example get approved for the truck loan in the morning, then go for the trailer loan later in the day. If you didn't borrow the money yet, it's just a credit check so you can potentially get approved for both. I had a 0% deal on a credit card and even got the rv dealer to let me pay on my card rather than take a loan. It's not usual to get 25%-30% off the advertised price. Dealers are motivated to sell old stock. If you can buy off-season, you can get a better deal. Also buying the previous year model can save a lot of money.
Evergreen RV and all its brand names just went out of business and future of the brands is uncertain, so it's probably a great time to buy an Evergreen product in terms of price. You may not have a factory warranty, so buy an aftermarket warranty.

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