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02-05-2013, 10:08 PM
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#1
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Member
Join Date: Aug 2012
Posts: 42
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Refinanced through Costco (essex credit)
Just wanted to throw this out there. I just reified my xlr27hfs through The Costco website (must be a costco member) and got 4.39%. Dropped my payment $80/month. $168 closing cost. Good customer service as well.
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02-06-2013, 01:35 AM
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#2
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Senior Member
Join Date: Oct 2012
Posts: 212
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Quote:
Originally Posted by rah.rrt
Just wanted to throw this out there. I just reified my xlr27hfs through The Costco website (must be a costco member) and got 4.39%. Dropped my payment $80/month. $168 closing cost. Good customer service as well.
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I just made the first payment on the dealer provided loan, at 4.99.
4.99 is not bad, but I like 4.39 even better.
__________________
Wayne in Coarsegold near Yosemite
2013 Forest River Solera 24R
2014 Jeep Wrangler Rubicon
ATV trailer for the following toys
2008 Yamaha WR250R,2009 Honda CRF150F
2008 Polaris Scrambler 500
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02-06-2013, 09:47 AM
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#3
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Member
Join Date: Aug 2012
Posts: 42
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Nice. My dealer said 7% was the best they could do. And i get a $50 costco card when i make the first payment.
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02-06-2013, 04:41 PM
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#4
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Senior Member
Join Date: Jan 2013
Location: USA
Posts: 171
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well if anyone is in the northern Indiana chi phone credit union is offering a promotion right now of 2.49 for up to 120 months the only fee is the 5 for membership and 5 to have in your account. we just used them to purchase new Catalina
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02-07-2013, 05:41 PM
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#5
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Senior Member
Join Date: Jul 2012
Location: Dunedin, FL.
Posts: 567
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Quote:
Originally Posted by rah.rrt
Just wanted to throw this out there. I just reified my xlr27hfs through The Costco website (must be a costco member) and got 4.39%. Dropped my payment $80/month. $168 closing cost. Good customer service as well.
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Did you apply online or did you have to call them? How long did the process take? We are taking delivery on a new TT on 3/12/13. Dealer was offering 5.22%
thank you for the great info!
10x
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02-07-2013, 08:04 PM
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#6
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Senior Member
Join Date: May 2011
Location: south Kansas City area
Posts: 1,298
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We applied tonight--online. Says it takes about 48 hours. Keeping our payment the same but cutting down on the term of the loan. Tried to give our current lending company a chance to meet and hopefully beat the Essex offer--they couldn't even come close.
__________________
Randy and Patty
2015 Sabre 33 CKTS-6 Platinum Edition
Reese 16K Slider hitch
2015 GMC Sierra 3500HD diesel dually
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02-08-2013, 12:47 AM
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#7
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Senior Member
Join Date: Dec 2012
Posts: 136
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We are going to buy a new trailer in NW Ohio . I called this credit union in Elkhart and inquired if they could finance it . We live in Tn . Without even asking me anything about what we want to borrow she said she would ask her supervisor and call me back so she got my phone # . In 45 minutes she called back . She said they would not be interested in financing an out of state loan . I told her we previously had financed a 5th wheel thru a Credit Union in Arizona (did it all on the phone and fax ) even though at the time we lived in Michigan . I told her we would only be 1 hour away when we went to pick up the trailer and if they could pre approve the loan with paper work and fax and phone we could drive to Elkhart before we picked up the trailer in Ohio if that helped. She said they were not doing any out of state business . In today's world this is hard to believe ! We could finance thru MANY places on the phone out of state . Bank of the West for one. Maybe I got a girl on the phone who didn't know any better ? I only called because that's a very low interest rate . If I was local I would be all over that deal !! Jim
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02-08-2013, 02:31 AM
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#8
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Senior Member
Join Date: Jul 2010
Location: Lake Charles, La.
Posts: 1,536
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farmerjim, my credit union is the same way. they like to be close to ur home in case they need to repossess. it cost more to repossess the farther away it is.
when i bought, the dealer beat my cretit union. a couple years later, i was able to refinance at a lower rate. tried to negotiate with the bank for a lower rate rather than switching. they weren't interested so i refinanced with another co. i wondering if they just don't want to modify the original deal or hope u will stay with their higher rate.
my credit union does not charge a fee to loan money but it was still cheaper to pay the fee and get a lower rate.
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02-08-2013, 10:20 AM
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#9
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Senior Member
Join Date: Sep 2012
Location: Paintsville, KY
Posts: 157
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Quote:
Originally Posted by rah.rrt
Just wanted to throw this out there. I just reified my xlr27hfs through The Costco website (must be a costco member) and got 4.39%. Dropped my payment $80/month. $168 closing cost. Good customer service as well.
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Do you have to be a Costco member? We don't have any stores around here but the refi seems like a good deal.
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02-08-2013, 10:21 AM
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#10
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Member
Join Date: Aug 2012
Posts: 42
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We applied on line, will have the lian papers early next week. Close about a week after that.
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02-08-2013, 03:06 PM
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#11
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Senior Member
Join Date: Jul 2012
Location: Dunedin, FL.
Posts: 567
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We applied online last night
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02-08-2013, 05:01 PM
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#12
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Senior Member
Join Date: Apr 2012
Location: Wisconsin
Posts: 171
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Quote:
Originally Posted by FarmerJim
We are going to buy a new trailer in NW Ohio . I called this credit union in Elkhart and inquired if they could finance it . We live in Tn . Without even asking me anything about what we want to borrow she said she would ask her supervisor and call me back so she got my phone # . In 45 minutes she called back . She said they would not be interested in financing an out of state loan . I told her we previously had financed a 5th wheel thru a Credit Union in Arizona (did it all on the phone and fax ) even though at the time we lived in Michigan . I told her we would only be 1 hour away when we went to pick up the trailer and if they could pre approve the loan with paper work and fax and phone we could drive to Elkhart before we picked up the trailer in Ohio if that helped. She said they were not doing any out of state business . In today's world this is hard to believe ! We could finance thru MANY places on the phone out of state . Bank of the West for one. Maybe I got a girl on the phone who didn't know any better ? I only called because that's a very low interest rate . If I was local I would be all over that deal !! Jim
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I used to work for a credit union right after college. Most times (not all) with credit unions they have strict by-laws that prohibit who can be a member and they have no other choice but to refuse if you don't fit the criteria.
__________________
2013 Puma 30DBSS (Parked at Seasonal Site)
2001 Ford F-150
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02-08-2013, 06:03 PM
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#13
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Senior Member
Join Date: Dec 2012
Posts: 136
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Thanks travyp, I didn't know that . I knew some are tied to certain industries or vocation etc. Jim
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02-08-2013, 11:15 PM
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#14
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Member
Join Date: Aug 2012
Posts: 42
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Right on.
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02-08-2013, 11:24 PM
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#15
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Senior Member
Join Date: Jul 2012
Location: Dunedin, FL.
Posts: 567
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Quote:
Originally Posted by rah.rrt
Right on.
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Thanks, this forum is awesome. Alot of great info, help And people
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02-12-2013, 09:22 AM
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#16
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Member
Join Date: Aug 2012
Posts: 42
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Gizmo. I believe you do have to be a member. Im 50 miles from the nearest store but we go every 2-3 weeks. Best price on produce by far. And other services make it worth it.
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02-15-2013, 05:21 PM
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#17
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Senior Member
Join Date: Mar 2011
Posts: 254
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I applied at chi phone but they said I had to live in northern Indiana or southern Michigan to be eligible. I just refinanced my 2011 Salem 5th wheel for 3.99% through share fax credit union cincinnati ohio. They are running special through February for over 10,000 up to 120 months for 3.99% with beacon over 670. Also have auto special 1.99 new or 2.50 refinance back to 2007. Call Lisa or Troy at 513-943-6330. Tell them Ed sent you!
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