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Old 01-03-2014, 01:53 PM   #1
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Info please.

Y wife and I have a 2009 coachmen wyoming and we own it free and clear. But it don't have the arctic package and we just moved and found out we desperately need it.. It still is worth over 30,000 dollars. My ? Is when I go to trade it in what kind of credit score do I need to have to get into a good used 5er? Or is it easier to get financing for a new one. And remember we owe nothing on a 30,000 dollar unit for trade in.
Thanks for any advice I can get.
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Old 01-03-2014, 02:12 PM   #2
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What about adding tank heaters, put some bubble foil stuff in the outside of all the cabinets, put a couple of lights in the lower bays and skirt the bottom in. It will help tremendously with temps.
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Old 01-03-2014, 06:07 PM   #3
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I have tried all that, even got heat tape for hose, still having
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Old 01-03-2014, 06:08 PM   #4
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Problems with freezing, and it don't hold the heat.
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Old 01-03-2014, 06:22 PM   #5
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With a credit union it will surprise you how bad a credit score can get a loan. Banks not necessarily so. a well insulated rv is going to cost you though unless you find a used one in good shape. Just bought a 2003 Teton Grand Freedom for 30,000. Looks and in better shape than anything one can buy today for under 150,000. Without good credit anything over $50,000 likely not attainable.
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Old 01-20-2014, 09:33 PM   #6
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You have to have better credit score to by an RV than a car because the lender realizes that the RV is the last bill paid. Like was posted earlier, if you have access to a credit union, you'd be better off. Otherwise, you can get good rates with a FICA score of 701 (averaging the 3 different reporting companies) or better. You can still get financing with lower but it would be at higher rates. Some of the companies that deal with repossessed unit might be willing to deal with a lower credit score but be careful you don't enter into a deal that you'll never be able to pay off.

Good luck
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