We currently have a small TT that we purchased in 2007 when we weren't fulltiming and it was easy to get it financed. At this point we are in the "just looking" stage and hope to trade up in a few months. We were told by a salesman that there was a new law passed in 2009 about domecile that makes it more difficult for a fulltimer. Any thoughts on this will be appreciated. Thanks, Tom & Fran
Technomadia said
01:34 AM Jul 21, 2012
Getting financed as a full timer without a fixed address can be difficult. The folks over at Escapees have a relationship with Alliant Credit Union, who apparently will finance full timers (providing of course they meet all other qualifications). Haven't needed it or used it ourselves, just passing along what we've read about.
- Cherie
3fortheroad said
02:01 AM Jul 21, 2012
We are full-timers and financed our new 5ver through our Credit Union. Even with a excellent credit rating I had to remind them that we had been with them for over 20 years and no black marks on our credit credit history. Our salesman said that the banks were really tough on full-timers and he had several prospects turned down.
bigredoes said
04:20 AM Jul 21, 2012
Essex credit has been working with RV's for years.....we also recently refinanced thru Costco - which went right thru Essex
Terry and Jo said
05:17 AM Jul 21, 2012
I don't know if you are a military veteran or not, but you might try USAA. It used to be one had to be an active or retired officer to join USAA, but they've since opened it up for all veterans, regardless of rank.
While my memory is not a stellar one, I seem to remember someone saying that they got approval for their loan even though they were full-timers without a "permanent" address. I do strongly advise asking them before joining if that is an option for you.
Terry
road of happy destiny said
03:02 PM Jul 21, 2012
Thanks everyone for the really good suggestions. We are financing our truck through a credit union, so that may be an option, We hadn't thought about USAA. We are members, so that's a good lead to follow. We have a few months to do some research and that gives us some time to research this
Tom and Fran
-- Edited by road of happy destiny on Saturday 21st of July 2012 03:08:05 PM
JayKim-no regrets said
12:29 AM Jul 31, 2012
Hi Tom and Fran
We just recently (last week) got financing for our (new to us) used 2004 Alfa Seeya. We went through GoodSam who works with Essex credit, we researched a lot of other financial places to get the best %rate first. Essex credit gave us the best loan term and % rate by far.
We went from applying online for credit, to getting the check in the mail all within 30 days.
Good luck to you guys
dream reachers said
05:01 AM Jul 31, 2012
We took Dave Ramsey's course Finacial Peace University and got out of debt including our house before our retirement. We sold our house and bought our RV debt free. We would not have gone fulltime unless we were debt free. We could not afford to. We are on our fifth year fulltime and "Life is good" That would be our advise as the best option.
We currently have a small TT that we purchased in 2007 when we weren't fulltiming and it was easy to get it financed. At this point we are in the "just looking" stage and hope to trade up in a few months. We were told by a salesman that there was a new law passed in 2009 about domecile that makes it more difficult for a fulltimer. Any thoughts on this will be appreciated. Thanks, Tom & Fran
- Cherie
We are full-timers and financed our new 5ver through our Credit Union. Even with a excellent credit rating I had to remind them that we had been with them for over 20 years and no black marks on our credit credit history. Our salesman said that the banks were really tough on full-timers and he had several prospects turned down.
I don't know if you are a military veteran or not, but you might try USAA. It used to be one had to be an active or retired officer to join USAA, but they've since opened it up for all veterans, regardless of rank.
While my memory is not a stellar one, I seem to remember someone saying that they got approval for their loan even though they were full-timers without a "permanent" address. I do strongly advise asking them before joining if that is an option for you.
Terry
Thanks everyone for the really good suggestions. We are financing our truck through a credit union, so that may be an option, We hadn't thought about USAA. We are members, so that's a good lead to follow. We have a few months to do some research and that gives us some time to research this
Tom and Fran
-- Edited by road of happy destiny on Saturday 21st of July 2012 03:08:05 PM
Hi Tom and Fran
We just recently (last week) got financing for our (new to us) used 2004 Alfa Seeya. We went through GoodSam who works with Essex credit, we researched a lot of other financial places to get the best %rate first. Essex credit gave us the best loan term and % rate by far.
We went from applying online for credit, to getting the check in the mail all within 30 days.
Good luck to you guys