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Old 08-10-2013, 02:33 PM   #43
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Exactly, they actually lowered the price on the unit almost $800. I understand every bit of advise given here and I appreciate it. But honestly I would prefer not to give more out of pocket. Or if it comes down to it maybe half of what they want
You realize that the more you pay now, the less you pay later!
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Old 08-10-2013, 02:34 PM   #44
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No offense intended, but sounds like you should look for a cheaper trailer. I would suggest you go to your credit union and discuss how much they would finance for you, then go shopping with those numbers. Maybe look at some private sellers that might provide you a better deal for starting out.

Good luck with your decision.
X2, buy want you can afford and always get pre-qualified.
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Old 08-10-2013, 03:39 PM   #45
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Exactly, they actually lowered the price on the unit almost $800. I understand every bit of advise given here and I appreciate it. But honestly I would prefer not to give more out of pocket. Or if it comes down to it maybe half of what they want
Then walk away!!!
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Old 08-10-2013, 03:46 PM   #46
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I'm just curious, but if you can't come up with the $690 to buy it how are you going to be able to afford a weekend camping trip. Because once buy it you are going to have an RV payment and insurance. Then you are still going to have to come up with $400-$500 for a low budget weekend of camping. $690 is a walk in the park compared to how much it's going to cost to maintain and use it once you have it. Just some food for thought.

Your alternative is to save some more money and make the purchase when you can afford it. The bank clearly feels that the original terms of the loan put them at more risk than they were comfortable with.
If you read my other post I said I could but didn't want to pay more out of pocket. Because I'm set on only $1000 down as originally had been asked for by dealership.
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Old 08-10-2013, 03:48 PM   #47
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Then walk away!!!
This is a tough group here, don't bang that head to hard, it might crack..... I appreciate the feedback.
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Old 08-10-2013, 03:56 PM   #48
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I appreciate all the replies and advice. It is about want and need. Both sides of the coin land on yes and no, can I afford the monthly payment and the extra deposit? Yes. Do I want to for out $690 more? No. I guess I'll wait for their call and go from there. But I know how they handle communication so it looks like ill be calling them. Hope to join theRV world soon
Hey, that $690 can pay for a couple weekends out. Shop for a slightly cheaper one and get out and enjoy!

I have some time on my hands right now - if you want, PM me the make and model, what you like about it and where you are at, and I'll help you look for another one or similar.

Kathryn

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Old 08-10-2013, 04:00 PM   #49
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Hey, that $690 can pay for a couple weekends out. Shop for a slightly cheaper one and get out and enjoy!

I have some time on my hands right now - if you want, PM me the make and model, what you like about it and where you are at, and I'll help you look for another one or similar.

Kathryn

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Old 08-10-2013, 04:00 PM   #50
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If you read my other post I said I could but didn't want to pay more out of pocket. Because I'm set on only $1000 down as originally had been asked for by dealership.
It's not the DEALER who sets financial terms unless you're financing through them - if it's a 3rd party financial company, THEY set the terms of the down payment. Therein lies the issue - it's NOT a breach of contract.

Your choice - take the deal with financing with the increased amount down to secure the loan, or, as others have suggested - walk away, save your cash and come back later.

We all wish you luck with this...but realilze that the finance company is running the show, not the dealer - it's the finance company who is putting THEIR cash on the line so you can purchase the RV.
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Old 08-10-2013, 04:09 PM   #51
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It's not the DEALER who sets financial terms unless you're financing through them - if it's a 3rd party financial company, THEY set the terms of the down payment. Therein lies the issue - it's NOT a breach of contract.

Your choice - take the deal with financing with the increased amount down to secure the loan, or, as others have suggested - walk away, save your cash and come back later.

We all wish you luck with this...but realilze that the finance company is running the show, not the dealer - it's the finance company who is putting THEIR cash on the line so you can purchase the RV.
Yes I think I'm walking away, they haven't returned my call/message from yesterday. I let them know where I stand. I think my best bet is save the $200 I would have paid, save for one year and then match it and see what I can afford/find
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Old 08-10-2013, 04:57 PM   #52
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Yes I think I'm walking away, they haven't returned my call/message from yesterday. I let them know where I stand. I think my best bet is save the $200 I would have paid, save for one year and then match it and see what I can afford/find
Sounds like a great decision - save the cash, get the RV later, be sure to stop in here at iRV2!

Cheers
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Old 08-10-2013, 05:00 PM   #53
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Sounds like a great decision - save the cash, get the RV later, be sure to stop in here at iRV2!

Cheers
Thank you, I think I'll stick around and learn
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Old 08-10-2013, 05:17 PM   #54
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Kathryn is very right. They knocked 24 months of the terms only wanting $690 more, they are not calling you back because they have told you everything that is needed to get this deal done. If you let this $690 keep you from getting what you want then you can't afford it. As for another post saying that you should arrange your own financing, we here at the car dealership almost always beat someone's own financing rates. We do more so we get money for less than you the individual can. I would have taken the deal. There's only so much the dealer can cut. He isn't a non profit organization.
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Old 08-10-2013, 05:26 PM   #55
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Kathryn is very right. They knocked 24 months of the terms only wanting $690 more, they are not calling you back because they have told you everything that is needed to get this deal done. If you let this $690 keep you from getting what you want then you can't afford it. As for another post saying that you should arrange your own financing, we here at the car dealership almost always beat someone's own financing rates. We do more so we get money for less than you the individual can. I would have taken the deal. There's only so much the dealer can cut. He isn't a non profit organization.
Till they do a credit check........^^^^^^ goes up then if one does not score high enough like happened in this thread if I had to guess......
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Old 08-10-2013, 05:52 PM   #56
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That's the only way we can beat their rate is thru a credit check.
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