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Old 12-29-2014, 05:03 PM   #11
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My credit union's published rates; requires 790+ FICO, auto pay and direct deposit to the linked account.
<72 months 1.8%
84-120 months 2.8%
121-180 months 3.3%

There some minimum financed amounts for the 120+ month terms.
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Old 12-29-2014, 05:06 PM   #12
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Paid cash for the 2014 248RBS.
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Old 12-29-2014, 06:38 PM   #13
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Paid cash for the 2014 248RBS.
Bill Mc
So are you offering to buy the OP a TT for cash, and he can pay you back at 0% interest? Otherwise I am not sure how your response is in any way related to the OPs question.
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Old 12-29-2014, 07:36 PM   #14
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Just bought a Precept 35up 12 years @ 3.49% Bank of America
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Old 12-29-2014, 10:04 PM   #15
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Thanks to all for the feedback. It really is a mixed bag, as I suspected. Unfortunately, my credit union does not offer RV loans. I tried Costco, but they offered a higher rate. It seems, in the RV world, that the more you spend and the longer the term the better the rate. The is opposite of what cars/trucks are. I will keep looking around. Thanks again.
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Old 12-29-2014, 11:01 PM   #16
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So are you offering to buy the OP a TT for cash, and he can pay you back at 0% interest? Otherwise I am not sure how your response is in any way related to the OPs question.
Nope! Saying save pay cash and then no interst~
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Old 12-30-2014, 11:43 AM   #17
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My rate was 6.5% for 12 years on about $22,000. My credit is into the 800,s but my dept to income ratio is higher than most banks want, so the dealer had to shop around for a while to find a bank that would accept me. Oh well. If you figure what 1% difference works out to a month it's really not to much.
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Old 12-30-2014, 03:23 PM   #18
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We got ours 10 years at around 5.25% (IIRC, maybe less, it's been a little while...). We'll save on interest and pay it off early, that's what we always do. But I knew my credit score (very high), and what my Credit Union could do before I ever began shopping. I told the dealership finance department the particulars and put him to work to try to beat what I could get on my own, and he did.
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Old 12-30-2014, 05:57 PM   #19
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I got 2.99% for 60 months from my very small credit union. Perhaps you could join a different credit union for a better rate.

As a former credit union CEO I can assure you that many credit unions are competing for loans for members with good credit.
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Old 12-30-2014, 06:25 PM   #20
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1.7% at credit union. Boy that is great. What credit union is that?
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