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Points for Securing a Great RV or Motorhome Loan

Points for Securing a Great RV or Motorhome Loan

RV loans and financing are the trickiest part of purchasing an rv, especially if you are buying a used rv. Financing is typically where many dealerships make extra profits at your expense, often through special add-ons, higher rates, or special dealer fees, they pass on to you at inflated costs. Many of the larger RV dealers offer good rv financing in-house and should at least be compared and considered. They often have such a large volume of applications that are specially targeted to RV’s, that they can compete with typical banks and credit unions.

Follow these steps and you will come out ahead. First, settle on an rv that you want without discussing financing, settle on a price, agree to a trade in value (if you have one), then tell the salesman you are willing to discuss any financing options they have but do NOT tell them or show them the terms you have already gotten approval for from your bank or other rv loan financing source. Spend a little time now seeing what they offer BEFORE you visit the rv lot and get an rv loan.

RV loan interest rate – Your interest rate will vary because it depends on many factors, which include your loan total, expected down payment, credit profile and the value of your RV. Most companies will want to process your rv loan application BEFORE discussing terms. This is normal and since most companies can complete your application in less than an hour, it shouldn’t be an issue.

Down payment – Most rv loans require a 20% down payment. People with great credit however often qualify for special programs that have no minimum down requirements. Mostly your credit score will determine this.

Minimum rv loan amount – I rarely see loans processed in amounts less than $ 10,000. The value of the rv is just not worth the risk to the bank if they have to repossess it. It costs the bank the same amount to repossess your $ 9,000 pop-up trailer as it does to repossess a $ 400,000 class A diesel coach. With the big coach they have something that is easy to sell. With the pop-up, they do not.

Loan term length – most companies will not loan on an RV for less than 5 years. Most larger companies will loan for as long as 20 years since they see the bigger coaches as investments and many times as primary residences.

RV loan application fee – many companies charge to find out if they can loan you money. Do not pay it! INSIST on a free application approval process. If they are not willing to take this small risk on you then they are less likely to be perfect to work with. Don’t waste your time.

RV makes that can be financed – Many banks only want to loan on large, expensive Class A motorhomes or buses. If you are buying a class B, class C motorhome, travel trailer, 5th wheel, park model, truck camper or van conversion, ask up front, before you get into the lengthy application, if they loan on that kind of vehicle. If they just stare at you when you say 5th wheel, or if filling out an online application there is not “drop down” box that contains the word “5th wheel” for vehicle type, then move on.

Financing older rv’s – It can be quite difficult without perfect credit to finance an older rv. Some companies will go back 12-15 years on a real solid class A with a serious legitimate survey or appraisal on it. Other companies will not touch anything older than 7 years regardless of value or credit score. The point is ask FIRST if they loan on your year rv so you don’t waste time filling out an application for an rv loan that will lead nowhere.

Credit score – the better companies that will finance you on an rv loan without up front application fees or credit check fees, who have good interest rates, and can get it done in an hour or two, will require a credit score of 600 – 640 and sometimes higher. If you don’t have a credit score in that range you will need to be more flexible in your approach and in the interest rates you will be willing to accept.

Getting an rv loan AFTER you bought the rv – Some banks have a cash recapture program that allows you to buy an rv using your cash, like when you stumble on a great incredible deal or distress sale and need to by it that day, then they give you the loan later and take possession of your title until payoff. This can typically be done up to 4-6 months after the rv purchase.

RV Loan calculation – Make sure the loan you get is a simple interest loan. This way you only pay interest on the principal you owe, and that amount gets reduced every payment you make on the rv loan.

Jason Odom has chronicled full time motorhome living since 2003 at RV for Sale Guide, traveling over 40,000 miles, exploring and reporting on the most incredible secret places to camp, and virtually every aspect of rv ownership and travel.
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Get Great Campers from Kelowna Rv Dealers

Get Great Campers from Kelowna Rv Dealers

RV dealer Kelowna luxury campers offer surprising features. Even if you’re not quite ready for a 40-foot long camper covered with gold worth $ 2 million like the Dubai sheiks, you can find some great camper and fifth-wheel camper deals with outstanding luxury features. Many of the top luxury features once reserved for high-end recreational vehicles are featured in today’s modern affordable campers. Campers in the $ 9,000 to $ 18,000 range are fully equipped with state-of-the-art kitchens custom fitted for family use. Modern campers at Kelowna RV dealers feature dinettes, roll-out sleeping beds, and wardrobe areas. Campers are lighter than fully blown RVs, more gas efficient, and portable for quick and easy road trips. They eliminate the need to sleep on the ground or in a tent.

Kelowna in the heart of interior British Columbia is the gateway to camping and recreational traveling. This calls for being able to get on the go quickly and safely while not leaving luxury behind. There are numerous Best rv dealers in Kelowna offering great choices. Campers have their own walled off showers and bathroom areas. They come with solid wishbone-built modern designed kitchens with microwaves. Specially coated sealed floors guard against water and grime. Other new models have 20-gallon water tanks and water heaters that work through the camper ignition heating up to six gallons of water at a time along with water storage for up to nine gallons with easy-to-read fill levels. Cable TV outlets and audio device connections are available.

Luxury fifth wheel campers hitch on the back of trucks or RVs and are worth their weight in gold for the convenience they provide. They vary in layouts and cost but generally have storage areas, modern full-service kitchenettes, entertainment center, bedroom layouts, and size rivaling condos or hotel rooms. Interiors can employ leather upholstery and the latest designs. Travelers love to add personal touches to make the fifth-wheel camper a true home away from home. Camper owners customize their experiences with items like larger gourmet refrigerators, freezers, satellite dishes, and advanced microwaves. Amenities are available at affordable prices with specials deals also available.

Working with top camper and RV manufacturers means quality products at affordable prices. Other outstanding vehicles available around Kelowna, Kamloops, Penticton, and Winfield in the Okanagan include a wide assortment of vans, travel trailers, new and used RVs and motor homes. Customer satisfaction is all-important meaning always getting honest, helpful answers to questions about campers and RVs so customers get the best deals fitting their requirements. With the multitude of Kelowna RV dealers you can find the right camper at the right price today.

This article will prove to be extremely instrumental for those who want to know about the types of campers one could find from an best RV dealer in Kelowna. The author has great knowledge about RV’s.
Puff Puff Give: The Great Cannabis Debate Continues

Puff Puff Give: The Great Cannabis Debate Continues

The cannabis laws have been misunderstood by many people for many years now. At the time of going to press (November, 2008), the plant remains a class C drug. The government now has plans to re-categorise it back to Class B.

This move goes against both leading scientists and MPs who have criticised the plans, arguing the decision ignores the opinions of experts.

The main reason for the move is due to public concern over skunk, a stronger strain of the drug which dominates the UK market. Skunk is now responsible for approximately 70-80pc of the UK cannabis market, a huge rise from just 15pc six years ago.

Skunk (or sinsemilla) has higher amounts of the active ingredient, THC than the weaker resin form of the drug. An expert from the Forensic Science Service (FSS) noted the THC content in skunk has risen from 6pc in 1995 to 14pc in 2005.

So users are getting a stronger high than ever before, but not without warnings from medical officials. Skunk also contains less cannabidiol (CBD), the anti-psychotic substance which moderates the effect of THC on the psyche of the user.

Whilst it is widely agreed and recognised the plant is now stronger and potentially more dangerous to users, there is evidence that cannabis can be of huge medical help to suffers of conditions including arthritis, glaucoma and cataracts.

And this forms the grounds on which scientists argue their case.

Cannabis potentially has the chance to alleviate the pain of many suffering patients the world over, if only the government dropped their stance on the drug. It can be made in tablet form to rule out any adverse smoking related side effects and in doing so, alleviates most side effects in their entirety.

Diclofenac, for example, is an extremely strong anti-inflamotary drug prescribed by doctors to patients with a vast array of symptoms. A very effective choice, but one that can leave the patient feeling nauseous, dizzy and unable to continue their daily routine.

Cannabis, on the other hand, alleviates distress with minimal side effects to the individual.

Aside from the medical benefits of Britain’s favourite recreational drug, there are other worries surrounding the reclassification.

The Advisory Council on the Misuse of Drugs (ACMD) states that if Cannabis is reclassified back to a class B drug, said reclassification could be “very damaging” to the downward trend of the drug’s use.

The ACMD continued: “Cannabis use has fallen in recent years, especially following its downgrading to class C in 2004 and it is obviously unwise to risk reversing that trend. The classification system must be credible… reclassification would send out an ambiguous message about the dangers of current class B drugs.”

If cannabis was moved to class B status, users could face up to five years imprisonment with a maximum sentence of 14 years behind bars for dealers.

Other class B drugs include amphetamines and barbiturates.

So whilst it is widely agreed that skunk is the more dominant drug of choice for Brits, there is evidence that suggests usage is falling in the UK. As a result, is there really any need to confuse people further with reclassifications? I think not.

Samantha is an expert Research and Theatre consultant. She is currently excited about the upcoming West End revival of Oliver!
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