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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.

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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.  

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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.

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.

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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.

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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.)

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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.