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11-09-2017, 04:25 PM
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#1
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Senior Member
Join Date: Sep 2017
Location: Blue Bell
Posts: 718
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Finance rates?
Ok to ask about finance rates here?
Being offered 5.49% for a 180 month term on ~$50k amount by dealer.
More competitive than my credit union.
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11-09-2017, 04:34 PM
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#2
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Senior Member
Join Date: Jul 2017
Location: Prince george
Posts: 110
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I got 4.95 from my dealer in June of this year.
__________________
 2017 Eagle 330 RSTS
2018 f350 6.2 gasser
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11-09-2017, 05:03 PM
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#3
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Senior Member
Join Date: Jul 2016
Location: Mapleton
Posts: 4,378
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My credit union offers 4.99 for up to $50K and up to 15 years for new.
CEFCU of Peoria, IL
May have better rates then this.
I like it as they have no fees, no early payoff charges, nice people!
__________________
2017 SLX 195RB
2021 Jeep Grand Cherokee Summit L 5.7L V8
Andersen WDH hitch, Renogy 100 AH Lithium &
200 Watts solar panels from Renogy
Prev. '14 Jeep Grand Cherokee Overland, gas 3.6 V6
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11-09-2017, 05:19 PM
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#4
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Member
Join Date: Sep 2017
Location: Holiday
Posts: 84
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That is about what any body can get, depending on credit score I'd ask for something in the 4.0 to 4.3 range. That was offered in July/August 2017.
__________________
steve
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11-09-2017, 06:55 PM
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#5
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Senior Member
Join Date: Mar 2015
Location: Port Orchard
Posts: 2,065
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It took three attempts but my 45K 180 month loan ended up at 3.49% in 2015. I started with USAA but they were around 6%. The dealer came up with 4% by some small time credit union that I didn't trust. The dealer then came back with a US Bank loan at 3.49%.
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Don
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11-09-2017, 07:30 PM
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#6
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Senior Member
Join Date: Jan 2015
Location: DFW
Posts: 3,493
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I got 2.9 back in February '16 after much haggling. But interest rates have definitely rose since then!
__________________
Dan
'24 GMC 2500 AT4X AEV Edition
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11-09-2017, 09:23 PM
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#7
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Senior Member
Join Date: Aug 2013
Location: Utah
Posts: 892
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The standard offer at my CU for new is 3.49% for 120 months for under $50K.
Sent from my iPhone using Tapatalk
__________________
2014 Ram 2500 Mega Cab Laramie 4x4 6.4L HEMI 4.10s with antispin
2014 Jayco Jay Flight Swift 287BHBE
Equal-i-zer 90-00-1200(new 90-02-4900 shank)
2x Honda 2K
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11-10-2017, 05:47 AM
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#8
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Senior Member
Join Date: Sep 2010
Location: Waukesha
Posts: 608
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I must live in the wrong part of the USA. In May I received 5.25% for 120 mth. My Credit Score is 892, and the other half is 871. That was from NorthShore Bank. Our Credit union's don't do TT.
__________________
Rod and Linda
SE Wisconsin
2018 330RSTS
2015 Silverado 2500 
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11-10-2017, 08:07 AM
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#9
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Senior Member
Join Date: Oct 2016
Location: Lower Alabama
Posts: 1,482
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Quote:
Originally Posted by rodro123
I must live in the wrong part of the USA. In May I received 5.25% for 120 mth. My Credit Score is 892, and the other half is 871. That was from NorthShore Bank. Our Credit union's don't do TT.
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Me too! Just financed our new Eagle HT this month and the best rate we could find was 6.5% with a perfect credit rating through Bank of the West! Our credit union and local banks couldn't touch their rate. Still looking to refinance to something more realistic. A year ago we got 3.2%.
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11-10-2017, 12:19 PM
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#10
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Member
Join Date: Sep 2017
Location: Holiday
Posts: 84
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Earlier I mentioned about finding a 4 to 4.3% rate. Something to consider, ask about going for a 120 month loan with a balloon at the end. Most people don't keep RV's 10 years and it will lower your payment and also your rate. In the course of 10 years the interest rates may go down, an opportunity to refinance.
__________________
steve
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11-10-2017, 05:53 PM
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#11
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Senior Member
Join Date: Aug 2013
Location: Utah
Posts: 892
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Quote:
Originally Posted by flyboy1
Earlier I mentioned about finding a 4 to 4.3% rate. Something to consider, ask about going for a 120 month loan with a balloon at the end. Most people don't keep RV's 10 years and it will lower your payment and also your rate. In the course of 10 years the interest rates may go down, an opportunity to refinance.
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And if your like me, there is no way you will spend 10 yrs paying for a toy. Financed for 10, paid it off in 3.
Sent from my iPhone using Tapatalk
__________________
2014 Ram 2500 Mega Cab Laramie 4x4 6.4L HEMI 4.10s with antispin
2014 Jayco Jay Flight Swift 287BHBE
Equal-i-zer 90-00-1200(new 90-02-4900 shank)
2x Honda 2K
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11-10-2017, 06:06 PM
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#12
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Senior Member
Join Date: Sep 2017
Location: Blue Bell
Posts: 718
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Quote:
Originally Posted by NewBlackDak
And if your like me, there is no way you will spend 10 yrs paying for a toy. Financed for 10, paid it off in 3.
Sent from my iPhone using Tapatalk
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To be clear, I don't have that intention either.
180 months term is a cheap insurance hedge against possible future cash flow issues. The intention is to do principal reduction payments when we can afford to do so, to accelerate the equity gain, but still have the ability to throttle back down if needed.
Because of the trade in value of our current RV, which we paid cash for, we already have a 20% head start on equity, and worst case we should still owe less than retail market value should we decide to selll in 3 years even without principal reductions.
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11-26-2017, 07:35 PM
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#13
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Junior Member
Join Date: Jun 2017
Location: Thomasville
Posts: 21
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Quote:
Originally Posted by Lowmiler
To be clear, I don't have that intention either.
180 months term is a cheap insurance hedge against possible future cash flow issues. The intention is to do principal reduction payments when we can afford to do so, to accelerate the equity gain, but still have the ability to throttle back down if needed.
Because of the trade in value of our current RV, which we paid cash for, we already have a 20% head start on equity, and worst case we should still owe less than retail market value should we decide to selll in 3 years even without principal reductions.
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Try Good Sam. Their rates are 4.89. Southeastern Financial is about 4.5%
Sent from my SM-G955U using Tapatalk
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11-27-2017, 09:22 AM
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#14
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Junior Member
Join Date: Oct 2017
Location: Bozeman
Posts: 13
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We bought our brand new TT in October 2017 and got a bank load through our CU for 2.99% (Rocky Mountain Credit Union)
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11-27-2017, 12:00 PM
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#15
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Member
Join Date: Mar 2017
Location: Athens
Posts: 83
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I think we got 3.29% for 5 yrs back in March through the local CU.
__________________
2017 Jay Flight 32BHDS (CVP/Elite)
2015 GMC Sierra CCSB Z71 6.2
Equal-i-zer 14K
Timbrens
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11-27-2017, 12:24 PM
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#16
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Senior Member
Join Date: Mar 2015
Location: Abingdon
Posts: 6,177
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180 months @ 3.49%. Although we didn't go that long. We got an 8 year loan. But this was the offer for "BIGGER" purchases.
__________________
2013 Jayco Eagle 328 RLTS
2021 Keystone Montana 3121RL
2013 F350 6.7L 4x4 CCLB
W/Air Lift air bags (front & rear)
Equal-I-Zer™ WDH & B&W Companion
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11-27-2017, 12:44 PM
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#17
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Senior Member
Join Date: Sep 2017
Location: Blue Bell
Posts: 718
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Quote:
Originally Posted by TWP723
180 months @ 3.49%. Although we didn't go that long. We got an 8 year loan. But this was the offer for "BIGGER" purchases.
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Where did you find that offer?
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11-27-2017, 02:50 PM
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#18
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Senior Member
Join Date: Aug 2017
Location: Howell
Posts: 141
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I received a straight 5.0% in July for 12 years through Bank of the West. The beat USAA and PenFed credit union.
__________________
2018 Mesa Ridge 2410RL
2018 JayFeather x23B
2007 JayFeather 19H (sold)
2003 Jayco Kiwi 23B (sold)
1991 Jayco Cardinal SD 14 foot pop up. (Sold)
2014 Chevy Silverado Crew Cab LT Z71 5.3L 4WD
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11-27-2017, 03:41 PM
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#19
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Senior Member
Join Date: Apr 2015
Location: Gilroy
Posts: 175
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Quote:
Originally Posted by rodro123
I must live in the wrong part of the USA. In May I received 5.25% for 120 mth. My Credit Score is 892, and the other half is 871. That was from NorthShore Bank. Our Credit union's don't do TT.
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How exactly does that work since credit scores only go up to 850? 
__________________
2018 Jayco NorthPoint 377RLBH
2017 Ruby Red F350 Lariat Ult CCLB SRW
Truck Covers USA American Work Cover
Andersen Ultimate 5ver Hitch
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11-27-2017, 03:47 PM
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#20
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Site Team
Join Date: Jan 2011
Location: James Island, SC
Posts: 22,859
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Some CU's stay away from rv's. Mine did but I got a good rate at another one. Financed at 5 years and paid off in 18 months. Simple interest.
__________________
 Moderator
2011- 351RLTS Eagle, MorRyde suspension/pin box,
2017- F350 6.7 PSD Lariat FX4,SRW, SB,CC
Hughes PWD SP-50A, TST TPMS
Gator roll-up bed cover
B&W Turnover ball, Companion Std hitch
Can't find what you're looking on JOF? Try Jayco Owners Forum Custom Google Search
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