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01-17-2014, 11:14 PM
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#71
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Senior Member
Fleetwood Owners Club Ford Super Duty Owner
Join Date: Oct 2013
Location: northern IL
Posts: 2,557
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Not to sound like a jerk but roommates going to psych wards, food stamps, ssi, never driven a motorhome, scared of turns, don't know how to budget, no emergency funds and very little for repairs, gas or food? This just sounds like a tragedy waiting to happen. Sounds like adding risk and expense to a situation that is already teetering on the brink is ridiculous. Set the dreams aside and get everything else in order first. If you can't afford to feed yourself you certainly can't pay for the most minor unforeseen repair to an RV. Reevaluate your situation, spend much more time planning. Good luck.
__________________
2014 Fleetwood Bounder 35k
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07-12-2014, 04:15 PM
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#72
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Senior Member
Vintage RV Owners Club
Join Date: Apr 2014
Location: The Streets of Laredo
Posts: 133
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07-12-2014, 09:07 PM
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#73
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Senior Member
Carolina Campers
Join Date: Feb 2013
Location: Winston Salem, NC
Posts: 3,452
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Quote:
Originally Posted by borderboardr
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Update: Mark & Third joined together and put their money into lottery tickets.... They won $451 Mill, split the winnings and bought twin King Air's and simply paid cash for everything....
At least I heard that as a roomer somewhere....
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07-12-2014, 09:08 PM
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#74
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Senior Member
Carolina Campers
Join Date: Feb 2013
Location: Winston Salem, NC
Posts: 3,452
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No Money Down
The end
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07-14-2014, 01:11 PM
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#75
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Senior Member
Newmar Owners Club Freightliner Owners Club
Join Date: May 2012
Location: Today? Clayton, North Carolina
Posts: 5,093
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Where were you a roomer? ;-)
__________________
John and Diane (RIP Lincoln, 21 FEB 22) RVM103 NHSO
Fulltimers since June, 2012
2002 Dutch Star 40, Freightliner, Cat 3126, 2004 Element
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07-14-2014, 02:45 PM
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#76
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Senior Member
Carolina Campers
Join Date: Feb 2013
Location: Winston Salem, NC
Posts: 3,452
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Oops..... Lol
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10-30-2014, 06:53 PM
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#77
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Junior Member
Fleetwood Owners Club iRV2 No Limits Club
Join Date: Sep 2014
Location: Rochester, NY
Posts: 4
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If your credit score is below 680 you will pay high interest and short term. Speaking from experience and even though on SSD - Disability, many wanted big down payments or balloon payments, or both! You will need to research and start small and trade up!
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11-06-2014, 01:48 AM
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#78
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Senior Member
Join Date: Apr 2014
Location: B.C.
Posts: 302
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If the bank says you shouldn't !!!
If the bank says you shouldn't, there's a reason for it not just because they don't like you or because they think the risk is to high.
More then likely because the numbers prove that you can't afford it the way you're planning it!
Now that does not mean there's no way to do it, Like some have already suggested start saving, just because you're 60 it's not to late.
Save and start with something smaller then what you're planning now, you're not being realistic with yourself that is why the bank says no.
You don't need a classA with a small car in tow to live the dream, especially on you're own!
A medium sized class C with a Bike or a Scooter, is pure Luxury! Think about it!
Paying Cash you save all that interest and you get to spend it on yourself and your lifestyle like you should.
Good Luck, Best Regards,
Ed
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01-24-2018, 11:01 AM
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#79
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Member
Winnebago Owners Club
Join Date: Jul 2017
Location: north texas
Posts: 78
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I realize this is an old thread, fyi, local credit union financed my 20 year old Winnie with no down. Paid 12,500.
Payments approx 370 for 36 months.
Credit score 725
Banker said no problem, up to 80% of high resale, on anything we wanted, 4%
__________________
Bill Gallivan
98 itasca 30wq
Kawasaki klr on the back!
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02-18-2018, 02:56 PM
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#80
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Senior Member
Carolina Campers
Join Date: Feb 2013
Location: Winston Salem, NC
Posts: 3,452
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I never use credit for loans, only monthly balances, that is why my credit score is 885...
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02-18-2018, 03:04 PM
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#81
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Senior Member
Country Coach Owners Club Solo Rvers Club iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 37,725
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Quote:
Originally Posted by tedgard01
I never use credit for loans, only monthly balances, that is why my credit score is 885...
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That's funny since the max is 850. Mine is above 825.
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft, HWH Active Air
Charter Good Sam Lifetime Member, FMCA,
RV'ing since 1957, NRA Benefactor Life, towing '21 Jeep JLU Rubicon Ecodiesel
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02-18-2018, 03:18 PM
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#82
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Senior Member
Monaco Owners Club Forest River Owners Club
Join Date: Jul 2012
Posts: 3,323
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Several banks / agencies use their own scoring system that goes to 950 + .. Not a true "FICO" score, and it has its own ranges .. Not the FICO ones. As long as you compare apples to apples ....
__________________
2023 Coachmen Encore 325SS
2002 Ford Escape toad
2020 GMC terrain
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02-18-2018, 09:25 PM
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#83
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Senior Member
Carolina Campers
Join Date: Feb 2013
Location: Winston Salem, NC
Posts: 3,452
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No Money Down
Base FICO[emoji768] Scores (FICO[emoji768] Score 8) range from 300-850, while industry-specific (auto and credit card) FICO[emoji768] Scores range from 250-900.
Therefore, like I was saying, I never use “credit” for loans, only monthly balances...
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