5 Best Travel Trailers For The Money

Owning a travel trailer (or bumper-pull) is a good decision. If you or your family loves camping, a trailer will serve as a safe and comfortable shelter. Even if you just like to go on road trips, it's still a sound investment.

However, although having a trailer feels great, deciding what model to get can be confusing. You'll have to choose a specific model and consider if it suits your needs and requirements. Luckily, you don't have to get stressed about this anymore. In this article, we'll show you our five best value for money camper trailer recommendations.

What to Consider and Look for in a Travel Trailer

Before starting the list, it would be great for you to learn first what makes a travel trailer ideal. Many manufacturers oversell their trailer models, so knowing about this means you won't fall for marketing words. That being said, these are the qualities and things to consider when choosing:

Ideal size

Travel trailers come in many sizes, with typical models ranging anywhere from 12 to 35 ft long. Models 12 ft or similarly sized are perfect for one/two people (or couples), and those under 25 ft can be easily towed by modern SUVs. On the other hand, a 35 ft trailer is more suitable for a family or up to 10 people.

Selecting the best trailer size is important, as not having enough space to sleep or store things would be a nightmare. Having a larger trailer than necessary can also be a waste and would just end up a liability. Another reason is to make sure that your vehicle is rated to tow the model you'll buy.

Reliable roof material

The best-built travel trailers for the money should have reliable roofing. It means the roof uses durable materials and is built to last. You don't want to lose protection over your head when it's windy or get wet when it's raining outside, so it's essential to consider this.

Thus, if you have a trailer in mind, make sure that the roof wraps down the side walls and is not just laid down. Check its thickness and see if there are other protective layers besides the outer aluminum skin. Lastly, if possible, rent the trailer for testing to find out if it's a sealed well and watertight.

Good drain system

The drainage system is something that's taken for granted at home. On the contrary, people treat it as an integral and sensitive part of a trailer. And by having a good one, you can wash utensils, bathe, and go to the toilet comfortably on the road.

When buying a trailer, go for one with a good drainage system, preferably something that shoots water and waste directly to a collecting tank. If the drainage system consists of twisted pipes, ask the vendor or other owners of the model for clogging issues. Since proper waste disposal is a part of the RV life, you'll also need to consider the ease of connecting to dump stations.

Temperature control and good ventilation

Having temperature control is necessary, especially for little travel trailers. When you're in nature or on an open road, the outer aluminum skin absorbs heat, which warms up the inside. Having small or fewer windows is also a problem as fresh air can't enter, and hot air will be trapped. It's also the same story in winter or cold weather if the trailer walls aren't enough to insulate heat.

For these reasons, you should pick an RV with an air conditioner or space for installing one that's suitable for the interior space. Additionally, consider the ventilation, and it's a bonus if there are heat insulation features.

Pet-friendly features

A trailer with pet-friendly features is ideal if you bring your pets on camping or trips. For cats, it's good to have a hiding area that is comfortable for sleeping. On the other hand, a dog and bird will need a significant space.

Regardless of what your pets are, there should be an air-conditioner to prevent them from getting sick. Besides that, a feeding tray or table that can be stowed away is excellent for saving space and avoiding mess. Other things can be a proper shower, a small window for viewing, soft mattresses, and more.

5 Best Travel Trailer RVs for the Money

1. Jayco 2022 White Hawk

Many consider Jayco's White Hawk the best travel trailer for the money, and for good reasons. It's a luxurious trailer that offers all the necessary things plus extra features that you won't find elsewhere in this size. You'll have lovely flooring, ceiling, and lights, a spacious bedroom, and an elegant bathroom. Cooking and dining will be a pleasant experience thanks to the included stove, sink cabinet, and tables/chairs.

The White Hawk has several windows, and there is a "Climate Shield" weather protection system to make you comfortable day or night. If you want to store food or other items, there are many cabinets and drawers at your disposal. Currently, it's available in 10 floor plans with lengths of 30' 8 ft to 38 ft and weights ranging from 6,295 lbs to 8,095 lbs. The largest model can accommodate up to 5 people, with the base floor plan starting at $52,463.

2. Winnebago Micro Minnie

The best value for money travel trailer can be a scamp trailer, particularly the Winnebago Micro Minnie. If you're looking for a companion on short trips or picnics, this is the one to get. Thanks to its only 7 ft wide body, it's easy to tow and park anywhere. The NGX frame, TPO roof membrane, and fiberglass exterior sidewalls are also durable, so you can feel safe. And the interior is still roomy enough for sleeping and storing items despite the compact nature.

Its kitchen has everything you'll need-from a 10.3 cubic foot refrigerator, microwave, and three-burner cooktop to a spacious sink. Moreover, there is a dedicated common space with a collapsible table, two sleeper sofas, and an LED TV. And when it's time for bathing or resting, the complete bathroom and double bed setup are waiting. The Micro Minnie is available in 10 floor plans starting at $37,182.

3. Airstream Globetrotter

If you care about design as much as functionality, then you'll surely love the Airstream Globetrotter. Unlike most trailers, it has a modern style that uses neutral colors from the exterior sidewalls to the glass windows. There are also no extra details like colored lines that you'll find in others. Overall, it is a great-looking trailer that for sure will make people turn their heads.

Aside from the exterior, its inside is very spacious, and you can get a compact 25 or 27 ft as well as a 30 ft model. Whichever of the three floor plans you'll get, six people can sleep inside regardless. There are couches, a kitchen area, and a dedicated bedroom, meaning you have access to everything. While its $126,900 starting price is higher than the average cost of camper trailers, the things you'll get make it worth it.

4. Oliver Legacy Elite 2

Due to its style, durability, and features, the Oliver Legacy Elite 2 has become one of the most popular trailers today. Starting with its looks, you'll instantly notice how sleek it is, from the roof to the tow section. Regarding the build, it has dexter leaf springs (with quad shocks) and a double-hulled fiberglass shell that can withstand all seasons. All the exterior parts are also connected tightly-they won't come out accidentally or during harsh conditions.

Inside the trailer, there is a dining table and two side dinettes for the family to have comfortable meals. Additionally, you'll have access to a complete bathroom and monitoring system for batteries and water tanks. If you want to relax outside, simply use the 16 ft retractable awning, and you're good to go. There are two floor plans (Standard and Twin Bed) which start at $73,500.

5. Forest River Alpha Wolf

The Forest River brand has been around for many years, and the Alpha Wolf is one of its greatest trailers. It has a tough yet light and well-insulated shell, so you'll be safe and comfortable inside. There are excellent amenities, including a modern cooktop, fridge, microwave, and interior LED lighting package.

The countertops, walls, floor, ceiling, and other furniture look elegant and complement each other's aesthetics. Thankfully, the Alpha Wolf is available in 10 floor plans from 27' 6 ft to 33' 4 ft sizes, so there's something for everybody. You can get it starting from $37,995, which is highly affordable.

Final Words

After reading the entire article, we hope you now know what trailer to get. And if you finally have a model of choice but don't have the money to buy it, No Credit Campers can help.

No Credit Campers offers RV loans even to people with bad credit or no credit at all. You can also shop from our RV mall or buy travel trailer warranties. If you work with us, we'll guide you along the way-from calculating a loan to closing the deal. Get financed today!

9 Best motorhome RVs for the money

There are many RV dealers that offer all types of motorhomes at various prices. The number of options that one has when deciding to purchase a motorhome for their next travels is endless. There are also loans that are provided to those that are running short on their budget to buy a motorhome RV.

Regardless of the size of your pockets, you can find a good motorhome that provides all your motorhome needs without breaking the bank.

Financing motorhome RVs for all credit types

No Credit Campers understand that sometimes people fall short on cash, but that should not be the reason you can't own the best value for money motorhome, even if you do it on credit. No Credit Campers has motorhome RVs for people with bad credit and helps those with no credit at all finance for one.

Whether you have really bad credit or no credit at all, No Credit Campers lets you apply for a loan to finance the purchase of the best motorhomes for the money you don't have at the moment.

There are no hidden fees and charges when you get a loan from No Credit Campers. You can do the calculations yourself for the amount of loan you wish to take and see how much you will pay as per the interest rate and given time period. The prices and the amounts you see are the ones that you will pay.

Used motorhomes for your money's worth

The best way to find a really good motorhome RV at a good price, if your credit is bad or you are financed by a loan, is to look for a used motorhome. With a used and refurbished motorhome at No Credit Campers, you are guaranteed a good motorhome at a very affordable price.

Let's look at the 9 best-used motorhomes for the money you can afford. The list will be grouped according to the class of the motorhome RV.

Best class A used motorhomes for your money.

Class A motorhomes are the top-rated motorhome RVs built on a very strong bus or a large truck chassis. The frames of Class A motorhomes are made of strong and heavy-duty material. Class A motorhomes are relatively expensive, but for a used one, you can pay a fair price.

Some of the best Class A motorhomes for the money are:

2007 Forest River Georgetown

This is a 2007-make gas-powered Class A motorhome RV. It is fitted with 2 air conditioners, 2 slides outs, and a bunkhouse floor plan spacious enough to accommodate 8 people. The motorhome has a length of 35 feet and is a great option if you planning to go camping with your family.

2003 Fleetwood BOUNDER 30P

This is a Class A self-contained motorhome that is also powered by gas. It was made in 2003 and had the capacity to accommodate 6 people. The motorhome has 3 sleeping options; the bedroom, the scissor couch, and the Dinette. It also has 2 air conditioners and a water capacity of 50 gallons, and a length of 30 feet.

2006 Thor Motor Coach HURRICANE 33H

This is another Class A motorhome that you can buy. It has a gas-powered engine, 2 air conditioners, and a floorplan. This model has no bunkhouse floor plan.

The 33 feet long model has a single slide-out and a water capacity of 65 gallons. It is an ideal model for a family trip or camping.

Best class B used motorhomes for your money.

Class B motorhomes are sometimes called camper vans. They are built on the chassis of panel trucks and automotive vans. They are small and suitable for couples and small families.

Let's look at some of the best Class B used motorhomes for your money.

2015 Chevrolet EXPRESS 1500

This is a gas-powered 8-cylinder Class B motorhome made on a Chevrolet van chassis. It has a rear-wheel drive and a 6-gear automatic transmission with a V8 engine. It has no floorplan nor bunkhouse floorplan but has a seating capacity of 12.

2002 Volkswagen EUROVAN FULL CAMPER

This is a Class B motorhome made but on the Volkswagen van. It is gas-powered and has a sleeping capacity of 4 people, with sleeping options ranging from the pop-top cabin and a full-sized bed.

The 17 feet motorhome has a single air conditioner and a 12-gallon water capacity.

2008 Phoenix USA CRUISER

This Class B motorhome is also a gasoline-powered camper running on a V8 engine. It has a sleeping capacity of 4 people and a single slide-out in the interior.

The 26 feet long motorhome has a water capacity of 60 gallons.

Best class C motorhomes for your money's worth

Class C motorhomes come in different sizes. They can be full-sized, compact-sized, or super-sized. They are built with a cut-away or a cab chassis. Most Class C motorhomes have a cockpit that is separated from the living area, and most have a sleeping area above the cockpit.

Here are some of the Class C motorhomes you can find:

2003 FOUR WINDS 31

This is a Class C motorhome with a gas-powered V10 engine. It has a single air conditioner, single slides out, and a length of 31 feet. The motorhome has a capacity of 37 water gallons, and its sleeping options range from a queen-sized bed, a sleeping sofa, an over-cab bed, and a table-down bed.

The roof of this motorhome can be extended with its awnings.

1994 Fleetwood JAMBOREE SEARCHER

This is also a Class C motorhome RV running on a gasoline-powered engine. This model has no bunkhouse floorplan and is without a floor plan, really. It has 3 sleeping options ranging from a sleeper dinette, an over-cab bunk, and a rear bed.

The 24 feet long motorhome is fitted with 1 air conditioner and a sleeping capacity of 6.

2002 Thor Four Winds 5000 28D

This is a Class C motorhome running on a gas-powered engine. It has no bunkhouse floor plan and no other floor plans. It has a capacity to accommodate 6 people and 3 sleeping options ranging from a sleeper dinette, an over-cab bunk, and a rear bed.

Best vintage motorhomes for the money

Apart from the three classes of motorhome RVs explained above, you can also choose to buy vintage motorhomes if that is your style. Refurbished vintage motorhomes are ideal for someone with a tight budget because you get to use the motorhome's depreciation to save money while still enjoying the best latest technology renovations that come with it.
These old models are a perfect fit if you are from that era, and they hold memories for you, and they have that sentimental value. They are relatively cheap, so ideal when you are running on a tight budget for your trip expenses.

Get easy financing and get shopping

We have seen the available options for motorhomes that one can buy at No Credit Camper. The choice to get one will entirely depend on your choices of RV class, size, and, really, your taste.
You can choose to get a much bigger Class A motorhome RV that can fit in a lot of your family and friends, or if you are a couple of two or a family of three people, you can choose the much smaller and cheaper ClassB or Class C motorhomes.
For those who want to have that retro feeling in their mobile homes, you have the chance to pick from any of the vintage motorhomes that are very cheap and are still fitted with the latest equipment for comfortability.
You don't have to worry about not being able to afford one as you have options to let No Credit Campers finance your purchase with a loan, regardless of your credit score or if you even have any credit. You can go on the loan calculator to see how much you can get as a loan and the interest that is going to be paid in the duration of your choice.

One Question? When was your last home appraisal?

When was your last home appraisal?

Home values are on the rise across the United States and homeowners are turning to mortgage professionals to help tap this equity and get in a better financial position.

When interest rates rise, home values tend to rise too. This is great news for you, the home owner – You can now access this equity and get ahead!

If you have not had your home appraised recently, it’s time to contact a banker today and discuss some money saving options.

A refinance can help you get the cash you need for:

1. Debt Consolidation

2. Home Improvement

3. Medical Expenses

4. Tuition Expenses

5. Large Purchases/Vacations/Weddings

6. Eliminating Mortgage Insurance

7. Convert an Adjustable Rate to a Fixed Rate

8. Consolidate a 1 st and 2 nd mortgage

9. Lower Rate – Pay off the home faster!

There are some great new loan programs for 2019:

1. FICO <500

2. FICO 500+

3. Self-Employed

4. Investor/Too-many-financed properties

5. Asset based loans

6. Credit Repair

7. Fresh Start/Second Chance Loans

8. 1 Day Out of BK or Foreclosure

9. Expanded Credit Guidelines – Making it easier for you to qualify!

---

Did you know there are options that involve $0 closing costs out of pocket – Only an appraisal, if needed!

Smart home owners are refinancing their mortgages and taking advantage of a low rate while they still can.

The time to lock in your rate is now!

Customer Testimonials:

 “I was connected with a banker who was very knowledgeable and offered a better rate than my local bank. My loan closed in just 3 weeks! Thank you for all your hardwork!  - John M – Orlando, FL

 “I just want to thank the team WaveWallet connected me with for my refinance. The banker and processor were on top of my loan every step of the way. It closed much sooner than I expected. I saved over $2000 per month! I can’t believe it!  These guys are professionals!!”

                 Jenny – Sugarland, TX

Items to Prepare:

1. Mortgage Statement

2. Home Owner’s Insurance Declarations Page

3. Income Documents

4. 2017/2018 W2

5. 2 Recent Pay Stubs

6. Tax Returns, if self-employed, all pages, all schedules

7. Retirement Income – Award/Benefit/1099s

8. Photo ID

9. 2 Months Bank Statements – All pages

10. Statements for any bills you wish to consolidate with a home loan

Contacting WaveWallet for help with my home loan refinance was the sma2rtest financial decision I ever made!! My payments fell by over 50% and I paid off all those high rate credit cards. I am a disabled veteran and I was introduced to a banker who understood my situation. I can finally sleep at night.”      Wendy C – Orange, California

The pro's and con's of Rent to Own RV

The Pros and Cons of Rent to Own Campers

The tiny home movement has brought with it many new styles of living; off-grid homes, micro houses, and in many cases, homes on wheels. Full-time living in an RV isn’t a new concept, but it’s one that’s been gaining a lot of traction lately. People are drawn to RV living because it allows you to travel and lead a fulfilled life without having to pay for a home or apartment at the same time. That being said, the start-up cost of buying an RV can be gargantuan. In many cases, RVs can cost just as much as a house! However, there’s another option for people who want to own a camper without the upfront costs: rent to own camper trailers.

The Cost of Ownership

Buying an RV is no easy feat. You’ll need to do hours of research just to find the RV that’s right for your needs! On top of that, there’s the process of finding financing, saving a down payment, and much more. There are a few things to consider before buying an RV:

• Think about whether you want a newer or older RV. Newer RVs will have fewer problems and will come with a warranty. However, it’s going to cost you big bucks. On the other hand, an older RV will be less expensive, but you may need to budget more in maintenance costs.

• Finding financing can be a real pain. Newer RVs are easier to finance. Many banks won’t finance RVs that are older than 15 years, so that’s something to keep in mind. Either way, you’ll need good credit to get traditional financing, just like you would with a house.

• You’ll need a sizeable down payment to finance an RV. You probably want to put $5,000 at the very least. If you don’t have a lot for a down payment, look for longer financing terms to offset the monthly cost.

• You’ll also need to get the right type of insurance for your camper. If you’re only going to be using it on weekends and for short vacations, you can get insurance through your auto insurance provider. If you plan on living in the camper, you’ll want full-timer insurance, which is a combination of homeowners and auto.

• If you aren’t going to live in your camper, you’ll need to make storage arrangements. This is another significant expense. Winterizing and storing an RV can cost as much as $400 per month!

Search Buy Here Pay Here RV & Campers for Sale

Renting a Camper

Obviously, if your budget is tight and you don’t plan on living in your camper, renting one is the way to go. Peer to peer RV networks like ours offer some of the best rental rates on the market. Here are some benefits to renting a camper through RVshare:

• You can find campers of all shapes and sizes, which is great if you want something older and more affordable.

• You’ll work with the owner directly and can message them through our online platform. You can negotiate rates, terms, and even ask if the owner has rent to own trailers.

• If you’re renting, you don’t have to worry about storage costs and maintenance.

• Renting a camper is a great idea if you’re thinking about buying one or have never been RVing before. You’ll be able to test out the different styles you like and see whether living in a camper is right for you – all before you make the commitment!

Need RV Financing? Get Guarantee Bad Credit Loans & Financing for RVs or Campers.

Benefits of Renting to Own

A quick search of “rent to own campers near me” will pull up thousands of hits on Google. There are plenty of RV owners and dealers who are willing to work with people who want to eventually own their campers. Renting to own is the best of both worlds:

• They’re often financed by the dealership or owner directly. That means you don’t have to deal with financing through a bank. It’s a good way to get an older RV, which banks won’t usually finance.

• You won’t need to put down as much of a down payment. In some cases, you may not need one at all.

• Renting to own is a good option if your credit is less than desirable. Traditional banks treat RV ownership as a luxury, so their credit requirements are usually pretty tight. However, keep an eye out for rent to own campers no credit check scams. While there are legitimate deals, some of these scams have interest rates through the roof. No Credit Campers, however, offers legitimate no credit check RV or camper loans, so we can trust that we’ll find you a deal that works for your current financial situation.

• You may be able to negotiate the terms with the owner or dealer. Many times, rent to own campers are listed as such because the seller is motivated, or the dealership needs to move inventory. Use that to your advantage.

Should you Rent or Own a Camper?

Of course, the decision of whether it’s better to rent or own a camper depends on how you plan on using it, in addition to the state of your personal finances. If you’re only going to use your RV for weekend trips and short vacations, you may want to consider renting on an as-needed basis. Otherwise, you’ll have to budget all the other expenses that come with RV ownership, like storage and insurance.

Buying an RV to live in, on the other hand, is another story. The costs of renting an RV for months at a time can get expensive. If you’ll be spending lots of time in your camper, you should probably buy one. Thankfully, if you’re dead-set on buying a camper but don’t have the up-front costs or credit, renting to own is a viable option. It’s not hard to find a camper for rent to own, and the benefits are abundant. You’ll enjoy the perks of ownership without the limitations of financing a new (i.e. expensive) RV. It’s an affordable option, whether you want to live in your camper or not.

Closing Thoughts

While RVshare does not offer a rent to own option, we wanted to make sure you know every possibility that is available to you. Rent to own campers give people the opportunity to own an RV when they may not have otherwise been able to. If you’re interested in renting to own, check with your local dealerships to see what’s available. Just remember to read the terms carefully and watch out for high interest rates and “bad credit” scams. Good luck!

For more information visit NoCreditCampers.com

Get Your Loan Approved With Bad Credit

NO CREDIT CAMPERS.COM IS INNOVATING THE MORE EFFICIENT WAY TO FINANCE RV'S

Traditional RV financing makes the process very complicated by requiring you find a Camper you like, and then discuss financing. No Credit Campers.com offers a solution that allows you to have the cash in your hand BEFORE you go shopping for you dream Camper. This allows you to negotiate the most fair pricing to dealers and private party purchases by giving you the power to say you have the cash in hand.

For more information click here.

FINANCE FREEDOM

No Credit Campers saves you the hassle of shopping around by offering over 500 financing partners to assure you receive the best offers.

There is never a minimum credit score required as we work hard to get every application funded.

VALUE PRICING

We've eliminated the middle man and made the whole process more efficient. Go into dealerships, craigslist, and Facebook groups with the confidence of having cash on hand.  

Also, visit our clearance mall that includes Free Shipping here

FUNDS DIRECTLY TO YOU

No Credit Campers.com made sure to only work with financing partners who do direct loans. It's your money, don't let the dealerships and banks make money off of it.

Approved loans are funded directly into your bank account. You choose what you want to do with your money.

Bad Credit RV Loans: Get Approved

Bad credit can be an obstacle to getting the things you want in life, but not necessarily an insurmountable one. For example, if you have always wanted a recreational vehicle (RV), you know that it is the type of big-ticket item that can be hard to secure financing for if you have bad credit. This guide to bad credit RV loans will give you some tips on improving your chances of getting financing, as well as making sure this is the best long-term decision to you.

Bad Credit RV Loans: Improving Your Chances

Have no illusions about this – having bad credit will make it tougher to get an RV loan. However, there are a variety of steps you can take to improve your chances:

1. Make progress in your credit history. Identify the reasons your credit is bad, and start addressing those problems. This can entail catching up with overdue bills, paying down credit balances, or correcting errors in your record. Even if these steps don’t immediately restore your credit ratin to the low-risk range, being able to show a lender progress will demonstrate a change in the right direction.

2. Show improved earnings power. Your credit rating is based on the past, but a significant raise in pay could make a meaningful difference in how risky lenders consider you to be. If your household has recently added an income, this might be another way of making lenders more confident in your ability to repay an RV loan.

3. Demonstrate a reduction in other payments. Income is one thing, but your ability to repay a loan also depends on how many other financial obligations you have. If this burden has recently become easier, for example if you have recently retired an old debt, it should improve the way that lenders view you.

4. Build up a strong down payment. In general, the higher the down payment, the more forgiving lenders tend to be about credit standing. So, if you want to overcome credit problems, building a down payment of 20 percent or greater should improve your chances.

5. Know the value of what you are buying. The RV you choose would be the collateral for the loan, so a bad deal for you would also be a bad deal for a lender. Don’t make it news. Make sure you know the market well enough to spot a good deal because this will increase your chances of finding a lender who feels the collateral is sufficient for the loan.

6. Take advantage of the dealer’s financing relationships. If you are buying from a dealer, use the fact that the dealer is motivated to complete a sale. Some dealers offer their own financing, while others have relationships that might get you a more welcome reception from a lender.

7. Shop around for financing. Even if a dealer can finance a loan or introduce you to a lender, don’t settle for loan terms until you’ve done some shopping around on your own. It’s not just interest rates that vary from one lender to another – their tolerance for weaker credit also varies, so shopping around can help you find a lender willing to offer reasonable terms to someone with less-than-perfect credit.

Making the Right Choice

Getting approved for bad credit RV loans is part of the challenge, but what may be even more important in these situations is making sure the purchase is the right choice for you. Going through the following steps will help you determine whether or not you are fully comfortable with this commitment:

1. Recognize the cost of bad credit. It’s almost certain that your bad credit rating is going to require you to pay a higher interest rate. Run a couple amortization schedules comparing the total interest costs of the loan terms you’ve been offered with what those terms would be if you had good credit. This will show you what the cost of your bad credit will be over the life of the loan. You can decide whether it might be worthwhile waiting until you can repair your credit before you make this purchase.

2. Make a budget you can live with. Look at the monthly payment you have taken on, and figure out in detail whether it is something your budget can live with. Remember, this purchase is supposed to bring you joy, not cause you stress. RV loan calculator can help you estimate loan payment amounts.

3. Be sure of your commitment to this vehicle. An expensive vehicle like a RV can depreciate in value by a great amount after you buy it, so if you have to re-sell it, you could take quite a loss. The point is, make sure that this is something you are sure you are buying for the long-term. If you’ve never been behind the wheel of an RV before, consider renting one before buying to make sure you know the ins and outs of operating one.

The most important part of pursuing your dreams is making sure you are clear on what those dreams are. If you have thought through the nature of this choice and the financial consequences, the above tips could help you pursue the dream of owning an RV.

Owner Finance RV or Dealer Finance

OK your ready to get an RV loan to buy your dream RV, but you have questions.  Where do I go to get a loan?  Should I do something prior to getting a loan?.  How do I get a good interest rate?  Will I be able to afford the monthly payments?  What if I get turned down?  Oh Great, now I am dazed and really confused and my head is spinning and I feel ill.

Calm Down and take a breath, I am going to help you.  Getting an RV Loan isn't Rocket Science (actually Rocket Science is easier than getting an RV loan, JUST KIDDING).

How do I get a good interest rate?  

The first thing you need to understand is that just like any loan your interest rate is based on your Credit Score.   Do you even know what  your Credit Score is?  This is an important topic, so we have dedicated a whole page to it.

Your RV Loan Interest Rate Will Depend on Your Credit Score.

Once you've completed the section on credit reports you should review the two additional steps to getting a loan for an RV.  These steps will answer all of your other questions about getting a loan for an RV.

Step 1:  What to do before financing an RV.  Actually these are items that you should ponder, before actually seeking a loan.  These are monthly costs for owning an RV and should be reviewed before deciding what monthly loan payment amount you can afford. 

Some of these items may not have even crossed your mind, that is why I am here to bring them to your attention (because that's what I do).

Step 2:  Is a primer (tells you how to do things) on getting the best loan you can on  your RV purchase.  How diligent you are at completing step 1 will determine, how well step 2 will turn out (that's a hint, if you skipped step 1, you might want to go back and take a look at it).  I will give you a few tips on shopping for a loan (and this is definitely not like buying eggs at a supermarket with a coupon).

I know how excited you are about getting an RV.  We were too, when we got our first RV and our second RV and our third RV etc.  By providing these steps, I hope that I have helped answer some of your questions about RV Loans.

Once you have purchased your RV, you will have a chance to experience the RVing Lifestyle, and I know just like us, you will love it.  The memories you create by RVing will last you a lifetime making the steps you had to take to get your RV worth the effort.

Thanks for stopping by and Happy RVing. 

Do you have any suggestions or comments on this topic?  You can add them to this page by using the comments section located near the bottom of this page.

Get the best deals on RV financing

Recreational Vehicle Financing Rates and News

If you have been searching for RV loan rates in 2018, you may have noticed the recent wave of RV rate increases. While the hikes of 2017 were only .25% to .37% on average, they have increased by .50%, (from their lowest point), or more so far this year. This makes it different from other upturns we have seen over the last several years, that quickly reverted back to the previous levels. This "sticky" spike leads us to conclude that rates had likely hit rock bottom in December of 2016, or very early in 2017.

All the RV news isn't that bad; after a number of years of declining RV sales, financing and other RV related services, many economic indicators have been heading in the right direction for the industry. Most of the dealers surveyed expected an increase of 12% to 17% in orders of new units from RV manufacturers; reaching for greater sales levels than the last several years of higher than anticipated totals.

In a Hurry? Try Our

Best Rate: 1-Minute Quick-Quote

Lower Interest Rates May Have Bottomed Out

Much of the new business may be coming from buyers who have been "on the fence" in deciding when to purchase. With rates currently on the rise, this trend should continue. The "Fed" will have to start raising rates sometime fairly soon, and the smoke signals we're seeing now could be read like a neon sign later in the year.

The improved economy and growing consumer confidence should continue to stimulate more sales of motorhomes and other types of recreational vehicles. RVs are even becoming "Cool" with the emerging baby boomer market.

The RV financial service providers indicated that interest rates for RV loans had hit bottom late last year, and we were in a rising interest rate economy. Our own research shows that rates had continued to hold at record low rates for most of last year, with some minor, short-lived spikes in recent months. (These increases have been confirmed as of 2017 with a quarter to half-point increases holding after the first couple months of the year.)

Complete Our On-Line Application Now!

We can also finance older used RVs and motorhomes, (from 10 - 12 years old), so you can easily find seven to ten-year-old luxury motorhomes from $60,000 to $80,000, or even less. So if you've been thinking of taking the plunge, come on in - the water (and rates) may be rising soon.

The banks, as well as online RV loan brokers, felt the trend could very easily reverse course if the economy began to sputter - or even if things began to heat up and jump-start a new ripple of competition between RV lenders. (That seems less of a chance now, as there are so few national RV lenders even in the market.)

The head of RVIA, the Recreational Vehicle Industry Association said that he expects shipments of new RVs to continue to increase this year. We agree that this will be another year with increases of 5% to 6% higher than last year. RV manufacturing, much of which is located in Indiana, is an $11 billion dollar industry, now employs close to 300,000 people, with mergers of existing manufacturers and new brands emerging at an increasing rate.

And Now, a Word from the Government

Although current economic conditions have improved, uncertainty in government policies may still dampen spirits if political leaders continue to keep their focus on their own interests above those of the American people. (Or vise versa, depending on your own opinion and current developments. This seems to be a common topic in recent events; and in the opinion of many people surveyed at recent shows, the industry news and media, and RV events across the country.)

At some point the Fed will have to begin to increase interest rates - however, with inflation remaining stable, that may not be enough to derail the recreational industry's current "freight train" momentum. The recent election instability has begun to confirm our theories that we are beginning to enter a rising rate environment.

But Wait - There's Still More

All government and political issues aside, the RV market is being "buoyed" by the ever-increasing demands of retiring, or "soon to retire" baby boomers. The Gen X'ers and Millennials are falling in line right behind them.

With these higher numbers of potential RV buyers entering the market, forward-thinking RV manufacturers are continuing to engineer and produce lighter and more efficient units at virtually all price levels. This is helping keep the younger, entry-level buyers engaged with more economical and easier to purchase RVs at most all levels.

These gains in innovation are also keeping older, or should I say "Seasoned" RV'ers in the game by helping reduce operating costs, making more maneuverable units - and even lightening up the Big Boys. What are ya gonna do, but keep on rolling!

Continued gains in the job market, and higher household incomes and the current record-low interest rates, would seemingly project an extremely favorable outlook for the recreational industry in the foreseeable future.

Regardless of the outcome, the near-term months and approaching years are widely projected to be the best time to purchase and/or finance an RV. If you are in the market but may have been waiting for the rock bottom. That time could very well be now. Stay tuned for updates, or just get it out of the way while the getting is good.

No Credit Check RV - Not all dealers are bad

Buying & Financing an RV - The Dealer is Not the Enemy

Statistics show that the 80/20 rule applies to RV sales profits. This means that approximately 80% of all RV's sold will make the dealer an acceptable profit. How much is that? I can tell you it is measured in the thousands... and even tens of thousands of dollars. As you will learn, this applies not only to the sale but also to the RV financing.

How about the other 20%? Most of them will fall into the area of "just under the acceptable range". But, they are still paying the dealer several thousand dollars in profit. Actually, only about 10% - 20% of RV sales made last year were at a profit margin that would be considered totally unacceptable to the dealer. In other words, the customer won... and won BIG!

In a Hurry? Try Our

Best Rate: 1-Minute Quick-Quote

I've always believed that buying, or selling an RV, really doesn't have to be that difficult. It basically depends on how each of the parties involved has been trained, and what they have learned.

My sales people have always been taught to be courteous, helpful, and most of all professional. They return phone calls. They send thank you notes. And, they treat each and every customer with respect.

They Are Also Taught Two Basic Principles:

1. Make a reasonable profit. We have earned it and we deserve it. We have to pay the mortgage, utilities, salaries, RV sales, and financing commissions, etc. So by all means, make us a reasonable profit.

2. Sell RV's. Always try to make a reasonable profit, but if you can't... at least try to make some profit. A little of something is better than a whole lot of nothing.

It's really very easy to save a substantial amount on the purchase of your next RV... If, and only if you know exactly what to do. Here's a look at a typical outing to the local, or not-so-local RV dealership.

The Gun-Fight at the O.K. RV Sales Corral

Most people walk into an RV dealership with the impression that they are going into battle. They bristle with resistance as the salesman introduces himself, and begins the cat and mouse game of "I can sell you... No, you can't."

The salesman is asking qualifying questions, to hopefully keep from walking all over the lot and showing each and every RV. You are simply trying to see the different styles, options, colors, models, etc. It is a tug of war... But it doesn't have to result in all-out war.

Obviously, the dealer, as the individual or business that has shelled out literally millions of dollars to provide a good inventory of recreational vehicles, has the right to regulate the flow of potential customers through his doors. He also has the right to dictate what type of methods his salespeople use.

Find YOUR Best Rate with our Free
On-Line RV Loan Application

When people walk through the doors of the dealership, many salesmen, like a cop in a bad movie, will subconsciously read you your RV Miranda Rights.

You have the right to remain ignorant. Anything you say can and will be used against you in the sales office. You have the right to speak to your spouse, and to have your spouse present during any negotiations. If you cannot afford an RV, one will be financed for you at 1% to 3% over "buy rate". (Buy Rate is the Dealer's actual interest rate charged by the lender.)

This is the mentality of many, many RV dealers and salespeople across the country. They will use any means possible to sell you an RV from their inventory, and their lot. They will use a multitude of tricks and strategies to "help" you buy on your first visit. They will give you formidable real and/or "not-so-real" reasons to buy NOW! (You should already know, or have the knowledge to recognize any "Real Reasons" the dealer may legitimately offer. They can be BIG money-savers.)

You, as the consumer also have a set of rights that you should go over mentally as you walk through the doors of any dealership.

The RV Consumer's Bill of Rights

1. You have the right to be knowledgeable. Anything you have learned can be used against any high-pressure tactics of a salesperson or over-aggressive sales or finance manager.

2. You have the right to take your time. Although you do have the right to know how to use urgency to your advantage.

3. You have the right to know the wholesale and retail book value of your trade-in, as well as the RV you are potentially buying.

4. If you finance your RV, you have the right to choose your own source for your RV Loan, at the best interest rate and terms possible.

5. If you choose to purchase an RV Warranty, you have the right to a fair price and a reputable company.

Clearly, the dealer is entitled to some profit... Without it he could never survive. Many dealers make HUGE profits on the RV's they sell. Your job as a consumer is to make sure that he pays the rent on the next buyer... Not you.

You are Your Own Worst Enemy...

Most people never take the time and/or money to learn. They don't realize that when they walk into the dealership and sit down, they have taken a knife to a gun fight. Dealerships spend thousands of dollars training their salespeople to make a good profit on each and every person they work with. Yet still, the vast majority of buyers never take the time to really learn how to buy an RV at a minimal profit for the dealer.

Unfortunately, there is very little good information out there on the subject of RV related SAVINGS! There are plenty of books on how to use your RV, fix your RV, and travel in your RV. There are even some books on the subject of buying an RV. But all of them combined seem to provide very little real-world, down and dirty strategies for saving money.

I have read every book that is available on the subject and find all of them very lacking in good advice. If you are only armed with the advice in these manuals, a good salesman will eat your lunch every time.

Not only must you be able to buy your RV very near the dealer's cost, you must be skilled in evaluating the quality, or lack of it, in the various makes and models you have to choose from.

One important thing to consider is the issue of a trade-in. Should you put forth the effort to sell your own RV before you purchase another one? "Effort", is the key factor. If you put in the effort, you deserve to keep the profits of your labors.

What About My Trade-In?

If you trade in your RV, the dealer will be the one who puts forth the effort to sell your unit. He will be the one to make interest payments on it while it sits on his lot. He will incur the advertising expense, sales commissions, etc. He will also have to fix any defects or problems as well as typically providing a warranty on the unit for a minimum of 30 days.

In other words, don't expect to get full retail for your trade-in. It doesn't happen... Ever. (See our article on evaluating your RV Trade-In Value.)

Some Parting Thoughts...

People ask me time and time again: "When is the best time to buy an RV?" My answer is always the same. "Anytime..." They then typically reply: "No, I mean is Winter the best time? Or maybe at the RV Shows? What about the end of the month, I've heard that is the best time of the month..."

The truth of the matter is this: RV dealers need to sell and finance RVs all year long. Some sales make a lot, some sales make a little. Your job is to make sure you have the skills to play the game effectively.

As long you are armed with the proper tools, and by that I mean information and knowledge, you should be able to negotiate a deal that is fair to both you and dealer. No matter what time of year, remember... Knowledge is power. Use it to your advantage.

Do your homework. Research various models and dealer pricing. Leave your checkbook at home until you are ready to make an offer. Remember the value of the Internet and the ease of shopping it offers.

And always remember... Be kind to your local RV dealer. He is the one most likely to be servicing and repairing your RV. A few dollars more - spent locally... Are wisely spent.