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Old 09-14-2012, 03:41 PM   #1
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Finally Getting Back Into RVing Need Advice

After a long absence we have decided to purchase a new 5th Wheel. We had a Sunnybrook TT for several years back when Sunnybrook only offered TT as the Titan class. We've missed this site and all the good people who make up the RV world. We've decided on an Artic Fox 27-5L 5ver. I think we have done our homework on this as much as possible on everything except financing. I was surprised to find that my old standby (Navy Federal Credit Union) does not finance RV'S straight-out and their rate was a little on the high side. I am a little surprised at all the requirements on loans today. A lot of the Finance Co. we've looked at want collteral, 15-20% down and some even have penalty for early payoff. Any advice on a good dependable Company to do buisness with?
While I am here, what are your thoughts on Northwood's Artic Fox 5vers and TT.
Good to Be Back,
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Old 09-15-2012, 07:59 AM   #2
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Hello Traildust. Like you, we had a Mobile Scout (Sunnybrook) 5th wheel trailer, but when I found Heartland I changed. Heartland offers much more bang for your buck than any manufacturer I know of and outstanding customer service.

Welcome back and good luck with the Arctic Fox.
2018 Heartland Landmark Oshkosh
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Old 09-15-2012, 09:52 AM   #3
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We went thru Michigan State Universtity Credit union.Good rates real easy to deal with.
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Old 09-15-2012, 09:45 PM   #4
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I used Essex Credit. Very easy to deal and with a good rates
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Old 09-15-2012, 11:41 PM   #5
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We used Advantis credit union. Very good rates and they even financed our '01 rig.
History: '08 View, '05 Chinook, '01 Jamboree 24D, '78 Apache Popup, 81 Komfort Tlr,
84 Mazda B2000 'w canopy,
Tent from wedding shower in '96
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Old 09-16-2012, 02:38 AM   #6
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If you are a Good Sam Club member they offer financing at decent rates (with an independent company).
Lee, Beth & ObiPup
Didymop (2012 36RKM), pulled by Geronimo (2015 GMC 3500), followed by Beth driving JakeKar (Solara Convertible)
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Old 09-16-2012, 05:05 AM   #7
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We financed our 5er and the truck through USAA.
Hope to be on the road starting this summer...
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Old 09-16-2012, 09:12 AM   #8
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I'm one of those that has been a USAA member for over 50 years. I've had all my insurance and savings thru them all that time, and they do a wonderful job. If you're eligible to join USAA, then that's probably an excellent choice for a loan on an RV.

Originally Posted by USAA
Rates as low as 5.25% APR for motor homes, fifth wheels, travel trailers, pop-up campers and slide-on campers

Up to 100% financing and refinancing available for loan amounts less than $100,000

I've also been a member of various credit unions for about 50 years. Back when I had to finance vehicles, I always financed them thru a credit union. In my last 20 working years it was Space Age FCU in Denver, located in the Air Force Accounting and Finance Center (AFAFC), which about 20 years ago evolved into the Defense Finance and Accounting Center (DFAS-Denver). But now I'm nowhere near Denver so I use my wife's credit union as our "bank". It was started by West Texas/New Mexico Florist Assn., but is now for florists anywhere. But there are several credit unions in Midland that accept almost anyone as a member. Community FCU comes to mind. If you live in the community of Midland/Odessa, you're eligible to join. I'll bet you have such cedit unions where you live. And it takes only a few minutes to determine the loan policies and interest rates of any credit union. And if you're a member of Navy FCU, then you may be eligible to join the Pentagon FCU.
Grumpy ole man with over 60 years towing experience. Now my heaviest trailer is a 7,000-pound enclosed cargo trailer, RV is a 5,600 pound Skyline Nomad Joey 196-S, and my tow vehicle is a 2019 F-150 Lariat 3.5L EcoBoost SuperCab with Max Tow (1,904 pounds payload capacity).
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Old 09-18-2012, 12:18 AM   #9
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Many thanks to all for the great replys. After checking out about a dozen places we have decided on good old cash. It will put a hit on our saving for awhile but the monthly payments wouldn't help either.

I have been out of Rving to long. My dealer was telling me all about the Pitch Awning and I thought it was a brand name. We always had the manual awning, never had such a thing as a power awning. The 5ver comes with a Carefree Eclipse.
Once again, Thanks
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Old 09-18-2012, 09:41 AM   #10
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Originally Posted by Traildust View Post
After checking out about a dozen places we have decided on good old cash.
My thoughts exactly. I haven't bought anything on credit since before I retired 19 years ago. Dave Ramsey says if you can't afford to pay cash for it, you can't afford it. You shouldn't buy it until you can save up more cash. (My grandmother was a Ramzy, so maybe I'm kin to Dave?)

But that's not an accepted philosphy of those that want it NOW!
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