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Old 01-09-2020, 04:44 PM   #1
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Used rv financing?

First time buyer and we are looking to finance a 2016 stryker 3010 toy hauler. Spoke with my wife's credit union and wasn't super happy with the terms. Interest rate was great. Who were people using? We are both 800+ credit score. Thanks for any direction.
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Old 01-09-2020, 05:39 PM   #2
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We used Southeast financial. Process went quite smooth all done online / email until you overnight signed documents. We got 5.99 % and could go to 20 years with that rate (we didn't).
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Old 01-09-2020, 05:43 PM   #3
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Thank you
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Old 01-09-2020, 09:29 PM   #4
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Americas credit union in Salt lake, it was done there at the dealer, 5.74% with a 7.90 credit score
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Old 01-12-2020, 04:28 AM   #5
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Southwest Florida Teachers Credit Union:
Used 2011 Fleetwood Jamboree
100% financing
Terms: 5.99%
6 years
790 credit score
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Old 01-12-2020, 06:44 AM   #6
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Check out Bank of the Ozarks. Got a good deal from them when I purchased my used Class A.
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Old 01-12-2020, 01:02 PM   #7
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RV loans

Quote:
Originally Posted by Elev8torguy View Post
First time buyer and we are looking to finance a 2016 stryker 3010 toy hauler. Spoke with my wife's credit union and wasn't super happy with the terms. Interest rate was great. Who were people using? We are both 800+ credit score. Thanks for any direction.
My experience and those I know personally is we have better luck with local institutions. Knowing your banker - difficult in this day of computers and your banker is 12,000 miles away and has difficulty with English.

In the past 15 years I have purchased four RVs, one travel trailer and three motorhomes, all over ten years old. I was able to secure what I wanted at a local bank where the decision maker is a person, not a computer generated reply. I have found that credit unions (local or national) operate on a different set of rules than does a bank.

Just an opinion, based on experienced.
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Old 01-12-2020, 01:14 PM   #8
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Quote:
Originally Posted by Elev8torguy View Post
First time buyer and we are looking to finance a 2016 stryker 3010 toy hauler. Spoke with my wife's credit union and wasn't super happy with the terms. Interest rate was great. Who were people using? We are both 800+ credit score. Thanks for any direction.
Credit unions are always the way to go. Confussed with "Wasn't happy with the terms." If the rate was great what was the problem?
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Old 01-14-2020, 05:47 PM   #9
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Thanks everyone. Southeast financial sent us back our approval letter today. It was very easy.
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Old 01-14-2020, 07:25 PM   #10
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Originally Posted by Elev8torguy View Post
Thanks everyone. Southeast financial sent us back our approval letter today. It was very easy.

Southeast Financial was very easy for us also. My credit union was quite high rate and short term, it was obvious they don't want to finance RV's. Funny, because they are great with everything else.
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Old 01-14-2020, 07:40 PM   #11
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Yeah I wa wasn't super happy with the credit union.
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Old 01-15-2020, 02:30 AM   #12
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We just bought a 2016 MH last month and went through M&T Bank out of Buffalo. 15 years at 5.74% interest rate. That was a better deal than we could get with our local banks and credit union.
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