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Old 03-15-2015, 05:32 PM   #11
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Take the deal and refinance
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Old 03-15-2015, 05:33 PM   #12
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Only the dealer can answer that. If it does, I would re-negotiate or walk away and find another dealer.

I agree with OldCoot.... Don't hesitate to walk away if you don't get the interest rate you deserve.
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Old 03-15-2015, 06:34 PM   #13
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Great just when I though all the research and haggling was over and all I had to do was wait for it to come in .I have to do more work .That's ok I work hard for my money and this is more fun then work .Ill let you know how it turns out. I did make a call before I went to the dealer to my current rv loan bank and they were at 6% so I stopped there MY BAD.
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Old 03-15-2015, 11:22 PM   #14
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Take the deal and refinance

I second this. If the deal is contingent on them getting the financing take the deal and then refinance at the credit union of your choice. I've done this a handful of times with cars, works the same way with RVs/trailers


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Old 03-16-2015, 11:17 AM   #15
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If the deal is based on the dealership getting your financing, maybe you need to find a new dealer or salesman. They have to realize this is not 1970 where the buyer takes whatever is offered. Good thing this is not a 300K home purchase.

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Old 03-16-2015, 07:13 PM   #16
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Well after many phone calls to several banks and cu. I guess the interest rates in central NY are higher then most other places. Just like the taxes haha. Anyway here's what I found out the dealers interest rate sounds pretty good at 4.49 %. for 7 yr. The best CU is 5 yr 2.99 6yr 3.24 7yr and up 7.49 all banks said they couldn't beat dealers because rv dealers get a better rate because they deal in bulk. I can only afford so much a month so 5yr at 2.99 brings my pymt to high
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Old 03-16-2015, 07:31 PM   #17
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I got 1.99 at my credit union last year. I would shop around lately credit unions have been beating bank loans. My credit union treats rv's boats and motorcycles the same as cars that why rate was so good. I don't believe a negotiated price should reflect having to use their financing if so I would do what OC said and go some where else.
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Old 03-16-2015, 07:48 PM   #18
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I never said that the price was with them financing .I was just wondering if I decided to get my own financing if that would make a difference .I haven't said anything to my dealer yet .I am just seeing if I can do better before I bring it up . and so far their not way off from what I have been getting quoted .Who knows maybe they don't even care .I guess Ill find out if I find a better rate. right now they beat any bank or cu for a seven year term by 3%
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Old 03-17-2015, 12:23 PM   #19
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I always got my own financing and then go to the dealer and see what they can do. I don't tell them what I have until they do the best they can and if they are lower I go with then. I also go for a longer term and pay more. Some time you can get a better rate if you go longer. The rate you get will depend on your credit score.
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Old 03-17-2015, 12:31 PM   #20
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And what if you were a cash buyer. I simply wrote a check for my current pop up. Why force someone to finance something?
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