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03-20-2018, 02:48 PM
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#81
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Senior Member
Join Date: Sep 2016
Posts: 301
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My loan is thru Alliant. I did mine online. Visit their website. I was just looking to see if they charged a prepayment penalty and the answer was no and it will save me a bunch of interest. You can get a preapprovement prior to shopping.
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03-25-2018, 09:19 AM
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#82
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Senior Member
Join Date: Mar 2016
Location: TEXAS
Posts: 218
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You are correct, Alliant does not have a prepayment penalty. You can pay off whenever. There are some financial institutions that do. If you want to payoff the loan early make sure you finance with someone without a penalty.
__________________
2018 Refection 311BHS
2011 Wildcat 32QBT (SOLD)
2006 GMC 2500, Airsafe 20K hitch, Air Lift Loadlifter 5000 air bags with Air Lift WirelessONE compressor, EFI Live
Jack of all trades, Master on none
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03-28-2018, 07:35 AM
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#83
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Senior Member
Join Date: Jan 2018
Location: Summit Township
Posts: 883
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Thanks to this thread we called Alliant. Our interest rate is 4.49%. We will save a lot of money on the loan compared to the other best rate I could find, 5.99%. Thanks to this forum and all the great info on it!!! 
__________________
2019 Hemisphere 272RL
2015 Ford F250 6.2L
2005 Jayco Bantam Flier
Hensley Hitch
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03-31-2018, 06:17 PM
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#84
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Senior Member
Join Date: Jul 2015
Location: Somewhere in the Ozarks...
Posts: 1,143
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Quote:
Originally Posted by merrykalia
Here are the current rates at our credit union. Credit Unions seems to be the best rates for RV loans.
12-36 months
New 1.790%
Used 1.790%
48 - 84 months
New 2.500% - 3.750%
Used 2.950% - 4.450%
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Those are some pretty awesome rates! What is the name of your credit union? I may just have to re-finance, even though we got a pretty good rate to begin with.
__________________
2015 Forest River Rockwood Signature Series Ultra Lite 8289WS w/Diamond pkg.
2014 RAM CTD 6.7 Tradesman 4WD Auto Crew Cab Long Bed
Honda eu2200i generators
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03-31-2018, 10:46 PM
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#85
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Senior Member
Join Date: Jul 2010
Location: Chauvin LA
Posts: 254
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Quote:
Originally Posted by RangeMaggotBob
Those are some pretty awesome rates! What is the name of your credit union? I may just have to re-finance, even though we got a pretty good rate to begin with.
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I would like to know also thanks
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2017 Georgetown 364TS
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04-01-2018, 12:00 AM
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#86
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Senior Member
Join Date: Aug 2014
Location: Northern KY
Posts: 5,725
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Quote:
12-36 months
New 1.790%
Used 1.790%
48 - 84 months
New 2.500% - 3.750%
Used 2.950% - 4.450%
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any talk about interest rates better be up to date because of two prime rate hikes in the past 3-4 months, all rates are higher than they were in early December 2017 or before...
__________________
"nothing can now be believed which is seen in a newspaper. Truth itself becomes suspicious by being put into that polluted vehicle."
Thomas Jefferson to John Norvell pg. 2, June 11, 1807
2014 Shamrock 183
2014 RAM 1500 Bighorn Crew Cab, HEMI, 3.21 gears, 8 Spd, 4X4 TST TPMS
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04-01-2018, 07:43 AM
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#87
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Senior Member
Join Date: Jan 2018
Location: Summit Township
Posts: 883
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Quote:
Originally Posted by rsdata
any talk about interest rates better be up to date because of two prime rate hikes in the past 3-4 months, all rates are higher than they were in early December 2017 or before...
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Alliants rate was this week, 120 months.
__________________
2019 Hemisphere 272RL
2015 Ford F250 6.2L
2005 Jayco Bantam Flier
Hensley Hitch
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04-01-2018, 09:09 AM
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#88
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Member
Join Date: Nov 2012
Location: California
Posts: 73
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I got the same rate, 120 month, last week. Same place. But dealer matched it.
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04-07-2018, 07:57 AM
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#89
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Junior Member
Join Date: Apr 2010
Posts: 13
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Just locked in 2.49% with verve credit union 
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04-08-2018, 04:35 PM
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#90
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Senior Member
Join Date: Oct 2015
Location: New Lenox, Ill. (Home of Proud Americans)
Posts: 300
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Just got 2.99% for a car at the CU. They wanted 6.99% for a new RV. Dealer rate is 5.75% for 7 years.
__________________
2015 GMC Denali 3500 4X4 Duramax
2019 Cedar Creek 36CK2 (sold 4/21)
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04-08-2018, 04:51 PM
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#91
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Senior Member
Join Date: Nov 2017
Location: Dayton Ohio
Posts: 3,591
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Same rates my credit union gave me in December.
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04-08-2018, 07:23 PM
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#92
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Senior Member
Join Date: Sep 2016
Posts: 301
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2.99 is a great rate! Saw your earlier pictures of your flooded rv, that was sad. Cars at my local cu are 1.74 with good credit but they never go below 8 on rv's. Rates are moving up good time to buy.
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04-08-2018, 07:27 PM
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#93
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Senior Member
Join Date: Oct 2015
Location: New Lenox, Ill. (Home of Proud Americans)
Posts: 300
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Wish it was 2.99 for the RV. That was for a new car for 5 years. The RV rate is 6.99 for 7 years.
__________________
2015 GMC Denali 3500 4X4 Duramax
2019 Cedar Creek 36CK2 (sold 4/21)
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04-08-2018, 07:41 PM
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#94
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Senior Member
Join Date: Sep 2016
Posts: 301
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Sorry I misread that. Alliant cu seems to be the only one that offers good rates on rv's wish the local ones would follow suit. So far dealing with them has been easy. I believe there's is up to 3.75% now.
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04-08-2018, 07:44 PM
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#95
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Senior Member
Join Date: Jun 2013
Location: Between Pickles Gap and Toad Suck, AR
Posts: 6,070
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Wow. Sure have gone way up since May 2016.......
__________________
"Next to prayer, fishing is the most personal relationship of man" Herbert Hoover
"American by Birth, Southern by the Grace of God"Lewis Grizzard
FROG AR-0019-242
2016 GMC Denali 3500Dually--2017 CC 36CKTS
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04-08-2018, 08:35 PM
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#96
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Senior Member
Join Date: Oct 2015
Location: New Lenox, Ill. (Home of Proud Americans)
Posts: 300
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Alliant CU
Thanks to all that suggested to use Alliant. Just applied online and was approved in less than a minute. 3.99% for 7 years. Sure beats the 5.75% that I was going with.
__________________
2015 GMC Denali 3500 4X4 Duramax
2019 Cedar Creek 36CK2 (sold 4/21)
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