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Old 01-03-2016, 02:43 PM   #51
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Location: Norcal
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Now here is something even i can understand.
Is the Interest on Your RV Loan Tax Deductible

2009 Ram 3500 Mega Cab
2018 Wilderness 2450FB

2014 Dodge Durango
"If you can't fix it with a hammer, you've got an electrical problem"
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Old 01-10-2016, 10:36 PM   #52
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Rubbernail hit the nail on the rad.😎

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Old 01-11-2016, 01:48 PM   #53
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We financed ours for 10 years and put a good deposit on it.
Brian - Stacy - Liam Camp Dogs: Pepper & Bentley
Nights Camped: 2015 - 34 2016 - 7 2017 - 6

"I need a time out, send me to the mountains and don't let me out until my attitude changes!"
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Old 01-11-2016, 02:07 PM   #54
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I usually payed cash up till the last new tt. Found out I could borrow my own money so all I pay is interest and at the end of my loan I have all my money back and I get to deduct the interest. I'm also getting interest on my money as it gets put back into my account. This is through my credit union. Later RJD
2015 35 FT V-Lite 30WRLIKS Diamond Package
2018 Dodge Ram 2500 6.4 3:73 gearing. Traded 2015 Chevy 2500 6.0, 4:10 gear
Days camped 2017 62
Days camped 2018 67
Days camped 2019 12
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Old 01-12-2016, 05:23 PM   #55
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Cash. I don't like payments. Plus it's mine. I can do anything I want without worry.

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Old 01-12-2016, 05:50 PM   #56
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A lot depends on the situation. I bought a new tractor last year and got 0 percent for 72 months thru John Deere. Crazy to pay cash with 0 percent interest.
Georgetown XL 377TS
USAF-- CMSGT Retired.
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Old 01-12-2016, 07:20 PM   #57
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For all major purchases I try to get a great deal up-front which helps to offset the thought of what interest is costing over the life of the loan...

For instance, we sold our last home BEFORE the recession, making a 30% profit. We then waited for the recession prices to bottom-out by living almost a year in a family member's (very small) house... We then bought our current large home with land in the country for 20% less than the lowest recession appraisal, so today it's worth about 35% more than we paid & it appreciates about 3% per year. As long as we are not in the middle of another recession if/when we sell, the interest paid will almost be a wash...

Likewise, we bought a new Honda Odyssey for $24K when the best deals around were $27K+... We paid it off early, so interest was around $3,000, or about the same as the difference between what we paid & what others paid (long story about the deal...)

More recently, we bought a (used) 2 year-old Ram 2500 for just $14K when book value was $18K. Even with NO money down, it has always had equity - even friends have offered to pay more... We're also paying it off early, so total interest paid will be less than $3K...

It was harder to find a truly great deal on new/used TTs because a lemon will cost more than you save in any bottom-dollar deal... However, we chose to buy a gently used TT for around $20K, or 30% less than best wholesaler/sale prices of new ones... I closely inspected over 30 new/used TTs before choosing this one, and it has been absolutely trouble-free for over 2 years of camping 30+ days per year... Now THAT's money in my pocket! We're also paying this loan off early, but will still pay about $5K in interest altogether... IMO this trouble-free TT is worth $25K to me so I feel I am getting a good VALUE...

So, IMO if purchase price + total interest is less than what others are paying cash, I'm a happy camper, pun intended!
2011 RAM 2500 ST Crew Cab 5.7 Hemi ($14K in '13)
2011 Primetime 3150BHD Touring Edition ($20K in '14)
Days camped in 2018-25
2017-31; 2016-36; 2015-37; 2014-31

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Old 01-13-2016, 06:33 PM   #58
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Always paid cash when we had TT, but when we bought our Motorhome put 50% down and got a great low rate. Nice thing is we won't be upside compared to what we owe.
2016 FR3 30DS and a
97 Jeep Wrangler that follows me to close
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Old 01-13-2016, 06:56 PM   #59
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I finance mine 100% with my low interest unsecured line of credit.

That way when I kick the bucket, I win! LOL
Les and Bonnie with 4 Leggers Bella and Shelby
2010 Cardinal 3450RL 4 slide Full Body Paint pushing our 2015 Ram 3500 Laramie 4x4 CCSB SRW - Pullrite 2900 Superglide 18k
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Old 01-14-2016, 10:22 PM   #60
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It is a toy. Always pay for toys with cash.

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