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“Just wanted to say thank you for all of your work getting us a great RV! Your service center staff were really helpful also. We went straight to Almanor and spent 2 nights. Everything seems to be working fine and I really love the floor-plan! Hopefully we’ll get a little more “RV” time in before the end of the season. We will keep in touch. Thank you again!”
“We purchased a 2006 Fleetwood Prowler, 27′ and anytime we had to have any repairs on it we bring it to your service department. Service is outstanding!”
We have the floorplans available for some of our trailers, fifth wheels, toy haulers and pop ups. Take a look at some of our favorites below:
Tango Travel Trailer
Jay Flight Swift SLX Trailer
Did you know we have more than just RVs and trailers? And we have an online shop! You can buy online and have your part shipped, OR pick it up at the store! Some items are stocked at our warehouse, and may not be immediately available at the store.
If you choose store pickup, you will receive an email with pickup instructions after your order is placed. Typical transportation from the warehouse is 5 business days.
When you finance your purchase instead of liquidating assets or paying cash, you maintain your personal financial flexibility. Plus, your RV may qualify for some of the same tax benefits as a second home mortgage.
Of course, check with your tax advisor, but basically to qualify for these benefits, such as the deductibility of interest on the loan, the RV must be used as security for the loan along with providing basic living accommodations such as a sleeping area, bathroom and cooking facilities. Remember, the RV is considered a qualified second residence as long as you designate it for each tax year.
Advantages of Financing Through a RV Lending Specialist
- Down payments are lower – Although final terms are determined based on your credit profile and the age, type and cost of the RV being purchased, financing through RV lenders usually requires down payments in the 10% range.
- Finance terms are longer / Monthly payments are lower – Because RV finance specialists know that RVs maintain their value and resale appeal, they tend to offer more attractive terms. In fact, it’s not uncommon to find 15-20 year repayment schedules to help you afford the RV of your dreams.
RV Financing Compared to Other Payment Options
Borrowing against an owned home is not an option unless the money is used directly for that home. Home mortgage interest deduction is restricted to interest paid on mortgage debt used to purchase or improve a residence, or to refinance the remaining balance on a purchase or improvement.
The purchase of an RV, therefore, does not qualify for this deduction. Home equity loans limit the amount of interest that is deductible, if your RV loan balance exceeds $100,000. Home mortgage interest deduction is limited to interest paid on home equity loans up to $100,000.
Last Word on RV Financing
Your RV might actually cost you less in the end if you finance your purchase. By not tapping into your financial assets to purchase the RV, you can take advantage of attractive new investment opportunities that might come along and the earnings from those investments can potentially exceed the cost of your RV financing. The bottom line is that if you are thinking of buying an RV, you should check financing options to maximize your purchase enjoyment. You’ll be on the road enjoying your new RV before you know it!
Information provided by GoRVing.com
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