One Question? When was your last home appraisal?

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When was your last home appraisal?

Home values are on the rise across the United States and homeowners are turning to mortgage professionals to help tap this equity and get in a better financial position.

When interest rates rise, home values tend to rise too. This is great news for you, the home owner – You can now access this equity and get ahead!



If you have not had your home appraised recently, it’s time to contact a banker today and discuss some money saving options.

A refinance can help you get the cash you need for:

1. Debt Consolidation

2. Home Improvement

3. Medical Expenses

4. Tuition Expenses

5. Large Purchases/Vacations/Weddings

6. Eliminating Mortgage Insurance

7. Convert an Adjustable Rate to a Fixed Rate

8. Consolidate a 1 st and 2 nd mortgage

9. Lower Rate – Pay off the home faster!

There are some great new loan programs for 2019:

  1. FICO <500

  2. FICO 500+

  3. Self-Employed

  4. Investor/Too-many-financed properties

  5. Asset based loans

  6. Credit Repair

  7. Fresh Start/Second Chance Loans

  8. 1 Day Out of BK or Foreclosure

  9. Expanded Credit Guidelines – Making it easier for you to qualify!


Did you know there are options that involve $0 closing costs out of pocket – Only an appraisal, if needed!

Smart home owners are refinancing their mortgages and taking advantage of a low rate while they still can.

The time to lock in your rate is now!




Customer Testimonials:

 “I was connected with a banker who was very knowledgeable and offered a better rate than my local bank. My loan closed in just 3 weeks! Thank you for all your hardwork!  - John M – Orlando, FL

 “I just want to thank the team WaveWallet connected me with for my refinance. The banker and processor were on top of my loan every step of the way. It closed much sooner than I expected. I saved over $2000 per month! I can’t believe it!  These guys are professionals!!”

                 Jenny – Sugarland, TX

Items to Prepare:

  1. Mortgage Statement

  2. Home Owner’s Insurance Declarations Page

  3. Income Documents

  4. 2017/2018 W2

  5. 2 Recent Pay Stubs

  6. Tax Returns, if self-employed, all pages, all schedules

  7. Retirement Income – Award/Benefit/1099s

  8. Photo ID

  9. 2 Months Bank Statements – All pages

  10. Statements for any bills you wish to consolidate with a home loan

Contacting WaveWallet for help with my home loan refinance was the sma2rtest financial decision I ever made!! My payments fell by over 50% and I paid off all those high rate credit cards. I am a disabled veteran and I was introduced to a banker who understood my situation. I can finally sleep at night.”      Wendy C – Orange, California

The pro's and con's of Rent to Own RV

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The Pros and Cons of Rent to Own Campers

The tiny home movement has brought with it many new styles of living; off-grid homes, micro houses, and in many cases, homes on wheels. Full-time living in an RV isn’t a new concept, but it’s one that’s been gaining a lot of traction lately. People are drawn to RV living because it allows you to travel and lead a fulfilled life without having to pay for a home or apartment at the same time. That being said, the start-up cost of buying an RV can be gargantuan. In many cases, RVs can cost just as much as a house! However, there’s another option for people who want to own a camper without the upfront costs: rent to own camper trailers.

The Cost of Ownership

Buying an RV is no easy feat. You’ll need to do hours of research just to find the RV that’s right for your needs! On top of that, there’s the process of finding financing, saving a down payment, and much more. There are a few things to consider before buying an RV:

  • Think about whether you want a newer or older RV. Newer RVs will have fewer problems and will come with a warranty. However, it’s going to cost you big bucks. On the other hand, an older RV will be less expensive, but you may need to budget more in maintenance costs.

  • Finding financing can be a real pain. Newer RVs are easier to finance. Many banks won’t finance RVs that are older than 15 years, so that’s something to keep in mind. Either way, you’ll need good credit to get traditional financing, just like you would with a house.

  • You’ll need a sizeable down payment to finance an RV. You probably want to put $5,000 at the very least. If you don’t have a lot for a down payment, look for longer financing terms to offset the monthly cost.

  • You’ll also need to get the right type of insurance for your camper. If you’re only going to be using it on weekends and for short vacations, you can get insurance through your auto insurance provider. If you plan on living in the camper, you’ll want full-timer insurance, which is a combination of homeowners and auto.

  • If you aren’t going to live in your camper, you’ll need to make storage arrangements. This is another significant expense. Winterizing and storing an RV can cost as much as $400 per month!

Search Rent to Own Inventory here.

Renting a Camper

Obviously, if your budget is tight and you don’t plan on living in your camper, renting one is the way to go. Peer to peer RV networks like ours offer some of the best rental rates on the market. Here are some benefits to renting a camper through RVshare:

  • You can find campers of all shapes and sizes, which is great if you want something older and more affordable.

  • You’ll work with the owner directly and can message them through our online platform. You can negotiate rates, terms, and even ask if the owner has rent to own trailers.

  • If you’re renting, you don’t have to worry about storage costs and maintenance.

  • Renting a camper is a great idea if you’re thinking about buying one or have never been RVing before. You’ll be able to test out the different styles you like and see whether living in a camper is right for you – all before you make the commitment!

Need RV Financing? Click here.

Benefits of Renting to Own

A quick search of “rent to own campers near me” will pull up thousands of hits on Google. There are plenty of RV owners and dealers who are willing to work with people who want to eventually own their campers. Renting to own is the best of both worlds:

  • They’re often financed by the dealership or owner directly. That means you don’t have to deal with financing through a bank. It’s a good way to get an older RV, which banks won’t usually finance.

  • You won’t need to put down as much of a down payment. In some cases, you may not need one at all.

  • Renting to own is a good option if your credit is less than desirable. Traditional banks treat RV ownership as a luxury, so their credit requirements are usually pretty tight. However, keep an eye out for rent to own campers no credit check scams. While there are legitimate deals, some of these scams have interest rates through the roof.

  • You may be able to negotiate the terms with the owner or dealer. Many times, rent to own campers are listed as such because the seller is motivated, or the dealership needs to move inventory. Use that to your advantage.

Should you Rent or Own a Camper?

Of course, the decision of whether it’s better to rent or own a camper depends on how you plan on using it, in addition to the state of your personal finances. If you’re only going to use your RV for weekend trips and short vacations, you may want to consider renting on an as-needed basis. Otherwise, you’ll have to budget all the other expenses that come with RV ownership, like storage and insurance.

Buying an RV to live in, on the other hand, is another story. The costs of renting an RV for months at a time can get expensive. If you’ll be spending lots of time in your camper, you should probably buy one. Thankfully, if you’re dead-set on buying a camper but don’t have the up-front costs or credit, renting to own is a viable option. It’s not hard to find a camper for rent to own, and the benefits are abundant. You’ll enjoy the perks of ownership without the limitations of financing a new (i.e. expensive) RV. It’s an affordable option, whether you want to live in your camper or not.

Closing Thoughts

While RVshare does not offer a rent to own option, we wanted to make sure you know every possibility that is available to you. Rent to own campers give people the opportunity to own an RV when they may not have otherwise been able to. If you’re interested in renting to own, check with your local dealerships to see what’s available. Just remember to read the terms carefully and watch out for high interest rates and “bad credit” scams. Good luck!

For more information visit NoCreditCampers.com

Get Your Loan Approved With Bad Credit

NO CREDIT CAMPERS.COM IS INNOVATING THE MORE EFFICIENT WAY TO FINANCE RV'S

Traditional RV financing makes the process very complicated by requiring you find a Camper you like, and then discuss financing. No Credit Campers.com offers a solution that allows you to have the cash in your hand BEFORE you go shopping for you dream Camper. This allows you to negotiate the most fair pricing to dealers and private party purchases by giving you the power to say you have the cash in hand.

For more information click here.

 

FINANCE FREEDOM

No Credit Campers saves you the hassle of shopping around by offering over 500 financing partners to assure you receive the best offers.

There is never a minimum credit score required as we work hard to get every application funded.

VALUE PRICING

We've eliminated the middle man and made the whole process more efficient. Go into dealerships, craigslist, and Facebook groups with the confidence of having cash on hand.  

Also, visit our clearance mall that includes Free Shipping here

FUNDS DIRECTLY TO YOU

No Credit Campers.com made sure to only work with financing partners who do direct loans. It's your money, don't let the dealerships and banks make money off of it.

Approved loans are funded directly into your bank account. You choose what you want to do with your money.

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Bad Credit RV Loans: Get Approved

Bad credit can be an obstacle to getting the things you want in life, but not necessarily an insurmountable one. For example, if you have always wanted a recreational vehicle (RV), you know that it is the type of big-ticket item that can be hard to secure financing for if you have bad credit. This guide to bad credit RV loans will give you some tips on improving your chances of getting financing, as well as making sure this is the best long-term decision to you.

Bad Credit RV Loans: Improving Your Chances

Have no illusions about this – having bad credit will make it tougher to get an RV loan. However, there are a variety of steps you can take to improve your chances:

  1. Make progress in your credit history. Identify the reasons your credit is bad, and start addressing those problems. This can entail catching up with overdue bills, paying down credit balances, or correcting errors in your record. Even if these steps don’t immediately restore your credit rating to the low-risk range, being able to show a lender progress will demonstrate a change in the right direction.

  2. Show improved earnings power. Your credit rating is based on the past, but a significant raise in pay could make a meaningful difference in how risky lenders consider you to be. If your household has recently added an income, this might be another way of making lenders more confident in your ability to repay an RV loan.

  3. Demonstrate a reduction in other payments. Income is one thing, but your ability to repay a loan also depends on how many other financial obligations you have. If this burden has recently become easier, for example if you have recently retired an old debt, it should improve the way that lenders view you.

  4. Build up a strong down payment. In general, the higher the down payment, the more forgiving lenders tend to be about credit standing. So, if you want to overcome credit problems, building a down payment of 20 percent or greater should improve your chances.

  5. Know the value of what you are buying. The RV you choose would be the collateral for the loan, so a bad deal for you would also be a bad deal for a lender. Make sure you know the market well enough to spot a good deal, because this will increase your chances of finding a lender who feels the collateral is sufficient for the loan.

  6. Take advantage of the dealer’s financing relationships. If you are buying from a dealer, use the fact that the dealer is motivated to complete a sale. Some dealers offer their own financing, while others have relationships that might get you a more welcome reception from a lender.

  7. Shop around for financing. Even if a dealer can finance a loan or introduce you to a lender, don’t settle for loan terms until you’ve done some shopping around on your own. It’s not just interest rates that vary from one lender to another – their tolerance for weaker credit also varies, so shopping around can help you find a lender willing to offer reasonable terms to someone with less-than-perfect credit.

Making the Right Choice

Getting approved for bad credit RV loans is part of the challenge, but what may be even more important in these situations is making sure the purchase is the right choice for you. Going through the following steps will help you determine whether or not you are fully comfortable with this commitment:

  1. Recognize the cost of bad credit. It’s almost certain that your bad credit rating is going to require you to pay a higher interest rate. Run a couple amortization schedules comparing the total interest costs of the loan terms you’ve been offered with what those terms would be if you had good credit. This will show you what the cost of your bad credit will be over the life of the loan. You can decide whether it might be worthwhile waiting until you can repair your credit before you make this purchase.

  2. Make a budget you can live with. Look at the monthly payment you have taken on, and figure out in detail whether it is something your budget can live with. Remember, this purchase is supposed to bring you joy, not cause you stress. LendingTree’s RV loan calculator can help you estimate loan payment amounts.

  3. Be sure of your commitment to this vehicle. An expensive vehicle like a RV can depreciate in value by a great amount after you buy it, so if you have to re-sell it, you could take quite a loss. The point is, make sure that this is something you are sure you are buying for the long-term. If you’ve never been behind the wheel of an RV before, consider renting one before buying to make sure you know the ins and outs of operating one.

The most important part of pursuing your dreams is making sure you are clear on what those dreams are. If you have thought through the nature of this choice and the financial consequences, the above tips could help you pursue the dream of owning an RV.

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Owner Finance RV or Dealer Finance

OK your ready to get an RV loan to buy your dream RV, but you have questions.  Where do I go to get a loan?  Should I do something prior to getting a loan?.  How do I get a good interest rate?  Will I be able to afford the monthly payments?  What if I get turned down?  Oh Great, now I am dazed and really confused and my head is spinning and I feel ill.

Calm Down and take a breath, I am going to help you.  Getting an RV Loan isn't Rocket Science (actually Rocket Science is easier than getting an RV loan, JUST KIDDING).

How do I get a good interest rate?  

The first thing you need to understand is that just like any loan your interest rate is based on your Credit Score.   Do you even know what  your Credit Score is?  This is an important topic, so we have dedicated a whole page to it.

Your RV Loan Interest Rate Will Depend on Your Credit Score.

Once you've completed the section on credit reports you should review the two additional steps to getting a loan for an RV.  These steps will answer all of your other questions about getting a loan for an RV.

Step 1:  What to do before financing an RV.  Actually these are items that you should ponder, before actually seeking a loan.  These are monthly costs for owning an RV and should be reviewed before deciding what monthly loan payment amount you can afford. 

Some of these items may not have even crossed your mind, that is why I am here to bring them to your attention (because that's what I do).

Step 2:  Is a primer (tells you how to do things) on getting the best loan you can on  your RV purchase.  How diligent you are at completing step 1 will determine, how well step 2 will turn out (that's a hint, if you skipped step 1, you might want to go back and take a look at it).  I will give you a few tips on shopping for a loan (and this is definitely not like buying eggs at a supermarket with a coupon).

I know how excited you are about getting an RV.  We were too, when we got our first RV and our second RV and our third RV etc.  By providing these steps, I hope that I have helped answer some of your questions about RV Loans.

Once you have purchased your RV, you will have a chance to experience the RVing Lifestyle, and I know just like us, you will loveit.  The memories you create by RVing will last you a lifetime making the steps you had to take to get your RV worth the effort.

Thanks for stopping by and Happy RVing. 

Do you have any suggestions or comments on this topic?  You can add them to this page by using the comments section located near the bottom of this page.

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Get the best deals on RV financing

Recreational Vehicle Financing Rates and News

If you have been searching for RV loan rates in 2018, you may have noticed the recent wave of RV rate increases. While the hikes of 2017 were only .25% to .37% on average, they have increased by .50%, (from their lowest point), or more so far this year. This makes it different from other upturns we have seen over the last several years, that quickly reverted back to the previous levels. This "sticky" spike leads us to conclude that rates had likely hit rock bottom in December of 2016, or very early in 2017.

All the RV news isn't that bad; after a number of years of declining RV sales, financing and other RV related services, many economic indicators have been heading in the right direction for the industry. Most of the dealers surveyed expected an increase of 12% to 17% in orders of new units from RV manufacturers; reaching for greater sales levels than the last several years of higher than anticipated totals.

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Lower Interest Rates May Have Bottomed Out

Much of the new business may be coming from buyers who have been "on the fence" in deciding when to purchase. With rates currently on the rise, this trend should continue. The "Fed" will have to start raising rates sometime fairly soon, and the smoke signals we're seeing now could be read like a neon sign later in the year.

The improved economy and growing consumer confidence should continue to stimulate more sales of motorhomes and other types of recreational vehicles. RVs are even becoming "Cool" with the emerging baby boomer market.

The RV financial service providers indicated that interest rates for RV loans had hit bottom late last year, and we were in a rising interest rate economy. Our own research shows that rates had continued to hold at record low rates for most of last year, with some minor, short-lived spikes in recent months. (These increases have been confirmed as of 2017 with a quarter to half-point increases holding after the first couple months of the year.)

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We can also finance older used RVs and motorhomes, (from 10 - 12 years old), so you can easily find seven to ten-year-old luxury motorhomes from $60,000 to $80,000, or even less. So if you've been thinking of taking the plunge, come on in - the water (and rates) may be rising soon.

The banks, as well as online RV loan brokers, felt the trend could very easily reverse course if the economy began to sputter - or even if things began to heat up and jump-start a new ripple of competition between RV lenders. (That seems less of a chance now, as there are so few national RV lenders even in the market.)

The head of RVIA, the Recreational Vehicle Industry Association said that he expects shipments of new RVs to continue to increase this year. We agree that this will be another year with increases of 5% to 6% higher than last year. RV manufacturing, much of which is located in Indiana, is an $11 billion dollar industry, now employs close to 300,000 people, with mergers of existing manufacturers and new brands emerging at an increasing rate.

And Now, a Word from the Government

Although current economic conditions have improved, uncertainty in government policies may still dampen spirits if political leaders continue to keep their focus on their own interests above those of the American people. (Or vise versa, depending on your own opinion and current developments. This seems to be a common topic in recent events; and in the opinion of many people surveyed at recent shows, the industry news and media, and RV events across the country.)

At some point the Fed will have to begin to increase interest rates - however, with inflation remaining stable, that may not be enough to derail the recreational industry's current "freight train" momentum. The recent election instability has begun to confirm our theories that we are beginning to enter a rising rate environment.

But Wait - There's Still More

All government and political issues aside, the RV market is being "buoyed" by the ever-increasing demands of retiring, or "soon to retire" baby boomers. The Gen X'ers and Millennials are falling in line right behind them.

With these higher numbers of potential RV buyers entering the market, forward-thinking RV manufacturers are continuing to engineer and produce lighter and more efficient units at virtually all price levels. This is helping keep the younger, entry-level buyers engaged with more economical and easier to purchase RVs at most all levels.

These gains in innovation are also keeping older, or should I say "Seasoned" RV'ers in the game by helping reduce operating costs, making more maneuverable units - and even lightening up the Big Boys. What are ya gonna do, but keep on rolling!

Continued gains in the job market, and higher household incomes and the current record-low interest rates, would seemingly project an extremely favorable outlook for the recreational industry in the foreseeable future.

Regardless of the outcome, the near-term months and approaching years are widely projected to be the best time to purchase and/or finance an RV. If you are in the market but may have been waiting for the rock bottom. That time could very well be now. Stay tuned for updates, or just get it out of the way while the getting is good.

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No Credit Check RV - Not all dealers are bad

Buying & Financing an RV - The Dealer is Not the Enemy

Statistics show that the 80/20 rule applies to RV sales profits. This means that approximately 80% of all RV's sold will make the dealer an acceptable profit. How much is that? I can tell you it is measured in the thousands... and even tens of thousands of dollars. As you will learn, this applies not only to the sale but also to the RV financing.

How about the other 20%? Most of them will fall into the area of "just under the acceptable range". But, they are still paying the dealer several thousand dollars in profit. Actually, only about 10% - 20% of RV sales made last year were at a profit margin that would be considered totally unacceptable to the dealer. In other words, the customer won... and won BIG!

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I've always believed that buying, or selling an RV, really doesn't have to be that difficult. It basically depends on how each of the parties involved has been trained, and what they have learned.

My sales people have always been taught to be courteous, helpful, and most of all professional. They return phone calls. They send thank you notes. And, they treat each and every customer with respect.

They Are Also Taught Two Basic Principles:

1. Make a reasonable profit. We have earned it and we deserve it. We have to pay the mortgage, utilities, salaries, RV sales, and financing commissions, etc. So by all means, make us a reasonable profit.

2. Sell RV's. Always try to make a reasonable profit, but if you can't... at least try to make some profit. A little of something is better than a whole lot of nothing.

It's really very easy to save a substantial amount on the purchase of your next RV... If, and only if you know exactly what to do. Here's a look at a typical outing to the local, or not-so-local RV dealership.

The Gun-Fight at the O.K. RV Sales Corral

Most people walk into an RV dealership with the impression that they are going into battle. They bristle with resistance as the salesman introduces himself, and begins the cat and mouse game of "I can sell you... No, you can't."

The salesman is asking qualifying questions, to hopefully keep from walking all over the lot and showing each and every RV. You are simply trying to see the different styles, options, colors, models, etc. It is a tug of war... But it doesn't have to result in all-out war.

Obviously, the dealer, as the individual or business that has shelled out literally millions of dollars to provide a good inventory of recreational vehicles, has the right to regulate the flow of potential customers through his doors. He also has the right to dictate what type of methods his salespeople use.

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When people walk through the doors of the dealership, many salesmen, like a cop in a bad movie, will subconsciously read you your RV Miranda Rights.

You have the right to remain ignorant. Anything you say can and will be used against you in the sales office. You have the right to speak to your spouse, and to have your spouse present during any negotiations. If you cannot afford an RV, one will be financed for you at 1% to 3% over "buy rate". (Buy Rate is the Dealer's actual interest rate charged by the lender.)

This is the mentality of many, many RV dealers and salespeople across the country. They will use any means possible to sell you an RV from their inventory, and their lot. They will use a multitude of tricks and strategies to "help" you buy on your first visit. They will give you formidable real and/or "not-so-real" reasons to buy NOW! (You should already know, or have the knowledge to recognize any "Real Reasons" the dealer may legitimately offer. They can be BIG money-savers.)

You, as the consumer also have a set of rights that you should go over mentally as you walk through the doors of any dealership.

The RV Consumer's Bill of Rights

1. You have the right to be knowledgeable. Anything you have learned can be used against any high-pressure tactics of a salesperson or over-aggressive sales or finance manager.

2. You have the right to take your time. Although you do have the right to know how to use urgency to your advantage.

3. You have the right to know the wholesale and retail book value of your trade-in, as well as the RV you are potentially buying.

4. If you finance your RV, you have the right to choose your own source for your RV Loan, at the best interest rate and terms possible.

5. If you choose to purchase an RV Warranty, you have the right to a fair price and a reputable company.

Clearly, the dealer is entitled to some profit... Without it he could never survive. Many dealers make HUGE profits on the RV's they sell. Your job as a consumer is to make sure that he pays the rent on the next buyer... Not you.

You are Your Own Worst Enemy...

Most people never take the time and/or money to learn. They don't realize that when they walk into the dealership and sit down, they have taken a knife to a gun fight. Dealerships spend thousands of dollars training their salespeople to make a good profit on each and every person they work with. Yet still, the vast majority of buyers never take the time to really learn how to buy an RV at a minimal profit for the dealer.

Unfortunately, there is very little good information out there on the subject of RV related SAVINGS! There are plenty of books on how to use your RV, fix your RV, and travel in your RV. There are even some books on the subject of buying an RV. But all of them combined seem to provide very little real-world, down and dirty strategies for saving money.

I have read every book that is available on the subject and find all of them very lacking in good advice. If you are only armed with the advice in these manuals, a good salesman will eat your lunch every time.

Not only must you be able to buy your RV very near the dealer's cost, you must be skilled in evaluating the quality, or lack of it, in the various makes and models you have to choose from.

One important thing to consider is the issue of a trade-in. Should you put forth the effort to sell your own RV before you purchase another one? "Effort", is the key factor. If you put in the effort, you deserve to keep the profits of your labors.

What About My Trade-In?

If you trade in your RV, the dealer will be the one who puts forth the effort to sell your unit. He will be the one to make interest payments on it while it sits on his lot. He will incur the advertising expense, sales commissions, etc. He will also have to fix any defects or problems as well as typically providing a warranty on the unit for a minimum of 30 days.

In other words, don't expect to get full retail for your trade-in. It doesn't happen... Ever. (See our article on evaluating your RV Trade-In Value.)

Some Parting Thoughts...

People ask me time and time again: "When is the best time to buy an RV?" My answer is always the same. "Anytime..." They then typically reply: "No, I mean is Winter the best time? Or maybe at the RV Shows? What about the end of the month, I've heard that is the best time of the month..."

The truth of the matter is this: RV dealers need to sell and finance RVs all year long. Some sales make a lot, some sales make a little. Your job is to make sure you have the skills to play the game effectively.

As long you are armed with the proper tools, and by that I mean information and knowledge, you should be able to negotiate a deal that is fair to both you and dealer. No matter what time of year, remember... Knowledge is power. Use it to your advantage.

Do your homework. Research various models and dealer pricing. Leave your checkbook at home until you are ready to make an offer. Remember the value of the Internet and the ease of shopping it offers.

And always remember... Be kind to your local RV dealer. He is the one most likely to be servicing and repairing your RV. A few dollars more - spent locally... Are wisely spent.

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Rent to Own Campers - Insurance

Specialized Motorhome Insurance

Unlike typical automotive insurance, motorhomes, and even travel trailers require specialized RV insurance coverage. Not to be confused with RV "warranty" insurance, we are referring to comprehensive and collision type insurance, with some important supplementary benefits. The additional coverage and benefits can be especially important when traveling any significant distance, if you full-time, or occasionally reside in your RV.

Most specialized RV insurance will help to assure that the RV, its contents, and above all its occupants are protected from damage, loss or injury-related expenses. There should be coverage for the owners, occupants and/or guests in the event of injuries or accidents while on the road. It should also cover accidental damage while the unit is parked or in use while camping. Also, it should be covered for extreme weather such as hail or heavy winds.

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While shopping for the best RV Insurance protection, in addition to the best price, you should also look into what the actual cost may be in the event of a loss or emergency. Finding the right coverage often involves finding the perfect mixture of premium and specific protection meant for your particular type of RV. It should also consider the company, its track record, and rating, as well as its claims processing procedures in the case of a failure or loss.

Also, keep in mind that the lowest priced plan could someday be the most expensive in the case of denial of claims or other gaps in actual coverage of your specific RV related needs. Or, even the complete loss of your RV and all of your personal belongings and contents kept inside.

The various coverage plans specifically designed for RVs can vary widely when compared to each other. Opting to protect your RV under a typical auto coverage would, in most cases, leave you vulnerable to a potential loss in many areas. Auto insurance coverage is not intended to cover the unique requirements of a recreational vehicle. Even a minor claim against your RV, while insured through your auto insurance coverage could drastically raise your auto premiums.

An agreed value clause locks in the price of your RV with a professional appraisal or estimation of replacement. Vanishing deductibles decrease your collision and comprehensive deductibles by up to 20% to 30% for each individual year you continue coverage without any claims. In the event that a loss happens after your deductible has "vanished", your deductible amount will be waived.

In the event of a total loss, make sure that you can get a new or equivalent RV in a total loss in the initial 5 model years. For RVs older than five years, the cost of the coach is going to be paid for. This particular insurance option guards your property against the effects of depreciation.

Coverage designed specifically for your personal contents provides for belongings that are contained within your RV. This may include appliances, sporting equipment, cookware, clothing, and tools for their actual replacement cost. Although these things can sometimes be claimed under your home owner's coverage, generally only a minimal percentage applies to personal property carried in your RV. That could potentially leave you open to a large loss.

You may be reimbursed for emergency expenses incurred during the course of a covered loss or malfunction. You are also typically reimbursed for lodging expenses, rental car or even bus or airfare for a trip back home in extreme cases.

Many plans prove an option for towing and/or roadside assistance. This can cover "on-the-road" emergencies such as fuel delivery, battery jumpstarts, flat tire changes, lock-out protection and more. Some also provide for sign-and-drive protection 24 hours a day, 365 days a year. In addition, towing benefits are included up to a specified amount or mile radius.

All-inclusive personal protection and supplemental every-day living costs may be available for those who live full time in their RV. Also for those who stay in their unit over extended periods such as wintering in the RV in warmer climates.

Some insurance plans may treat your RV like an automobile. So if you wish to properly cover your RV, your contents and yourself, you should consider an insurance coverage that is designed for the special needs of the owners of recreational vehicles.

View our inventory here.

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RV for sale no credit check

Buying an RV from a Private Seller

Just as the RV Dealer isn't your enemy; the Private RV Seller can be your best friend. They don't have ANY appreciable overhead built into the sale, other than the cost of their advertising, and/or any repairs or refurbishing to be done to the RV.

The private seller, or "RV for Sale by Owner", is usually much more motivated than a dealer. They only have ONE unit on which to concentrate their efforts. Many times their sole intention is to rid themselves of the burden of their no-longer-needed RV.

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In RARE cases, they are WISELY selling by owner so they can move on to a unit more suited to their present needs and desires. This allows them to sell their RV for a higher price than a dealer would allow them on trade-in, while still offering a bargain to their potential buyers.

Purchasing from a Private Seller can Work to Your Advantage in Many Ways:

1. Lower overhead = Lower selling price.
2. Higher motivation = Lower selling price.
3. No over-pricing to allow for trade-ins.
4. More extensive vehicle history.
5. A more personal transaction.

Because of these benefits, buying an RV from an individual may allow you to save thousands of dollars over buying a similar unit from a dealer.

You MUST, however, do your due diligence prior to the actual purchase. Any faulty systems left unchecked or untested will likely become your own burden unless discovered PRIOR to your purchase. In other words: "Caveat Emptor" - or - "Buyer Beware".

For now, let's take a look at some of the advantages of buying an RV from a private seller.

Low Costs for Private RV Sellers - We Finance Older RVs

Most individual sellers will incur minimal selling costs when selling "by owner". Most of these costs will come from advertising in local newspaper classifieds, Internet advertisements or other forms of marketing.

When compared to the costs incurred by an RV dealer, the individual has a major advantage. First of all, they have no commissions to pay upon the sale. Most RV Salesperson commissions in the RV industry are commonly set at approximately 20% of the gross profit.

In other words, if a salesman sells an RV for an average profit of $5,000 - Then $1,000 of that is going to the salesman as commission. This is not a concern for the private seller, therefore sales commission ALONE can be a potential gain of $1,000 or more to the buyer. (Not to mention the other $4,000 the dealer gained over his wholesale price.)

The above example is based on a moderately priced RV of say, $40,000 to $60,000. You can imagine the profits and commissions on higher priced units!

Also, because of the minimal or nonexistent overhead of the individual seller, profit is commonly NOT a motive for selling. In MOST cases, the sellers simply want to rid themselves of the unit. This usually translates into THOUSANDS of dollars in savings.

Combine those savings with Best Rate's used motorhome and RV financing programs, as well as our best loan rates, and you could double your savings.

Complete Our RV Application or Loan Pre-Approval Now!

While most private RV sellers will try to achieve a RETAIL sales price when the unit is initially offered, they rapidly tire of the stresses of the sales process and lower their "perceived" value of the RV. In other words, when they start the sales process, they have an unrealistic impression of their RV's value. After dealing with prospective buyers for a minimal amount of time, they rapidly become educated on the true value of their RV.

Seriously, think about your own experiences. How many times have you tried to sell something for a premium price, only to accept a lower, yet HONEST offer for much less than your original price? It all goes back to the old saying: "One in the hand is worth two in the bush." In other words, fatigued sellers WILL accept a bargain price if the offer is GENUINE. It ends their suffering... so to speak.

The key is to FIND these fatigued sellers when they are weak. Just as the predator on the African Plains seeks out the weaker and slower prey, you must find the weary seller - and strike when they are at their weakest point. Ruthless - Yes. Unethical - No. It's the law of the urban jungle. Live and prosper by the law, or live and pay a higher price - still by the law. (I can't believe I just wrote that)

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Insider RV Financing Strategies - Buy here pay here

Insider RV Financing and Loan Rate Strategies

Many people who contemplate financing an RV, or any other high-ticket item such as a boat or private aircraft, are intimidated by the length of the financing term needed for an acceptable payment. Typical financing terms are 10 to 20 years, with 15 years being the most common.

Some consumers choose a shorter financing term and a higher payment simply because of their fear of the longer-term commitment. Even though they obviously know RV owners rarely, if ever, keep an RV for the entire term of their financing; they choose a shorter loan term. They unnecessarily strap themselves to a higher payment that could strain their budget - should illness, unemployment or other hard times take place.

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Most buyers choose the longest term available to secure the lowest payment possible - even though they could afford much more. They pay more interest than principal during most, if not all of their actual loan period, and wind up in an "upside-down" position.

In other words, the remaining payoff on their loan is much more than the actual value of their unit when the time comes to trade or sell their RV.

A Hybrid RV Loan System

Savvy RV buyers use a "Hybrid" type of financing system to get the best of both worlds. They finance the RV for the longest term available for the loan amount, which makes the payment lower than they can actually afford.

During the loan, they make the monthly payment PLUS an additional amount, which is directly subtracted from the principal amount of the loan.

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When this approach is followed with a good degree of discipline, it can lower the "effective" interest rate to as much as half the original rate - as well as dramatically shortening the length of the loan term.

It also allows the most flexibility. Should the borrower face a situation where times are rough or money is tight, they still have the luxury of making the lowest payment possible.

An Example of a $50,000 Loan

Interest Rate - 5.25%
Term in Years - 15 years
Payment Amount - $428
Total Interest Paid - $27,168

If this person added $50 to each monthly payment, he would change the repayment terms to:

Effective Interest - 4.64%
Loan Term in Years - 12.63 years
Total Interest Paid - $22,418
TTL Interest Savings - $4,750

Now let's assume that this person added $150 to the monthly payment.

Effective Interest - 2.62%
Loan Term in Years - 8 years
Total Interest Paid - $5,487
TTL Interest Savings - $21,681

The example above is ONLY on a loan of $50,000. Imagine the savings if this strategy was applied to an RV loan of $100,000 or more! It is all about planning, application, and discipline. But, if he happens to miss a few months, he just saves a little less.

What's the Bottom Line?

Comparing our last example of a consumer applying a hybrid system - to an individual who took out an 8-year loan upon purchasing the same RV... The hybrid system would have saved nearly 4% in interest over an actual 8-year loan term.

By shortening your loan term from 15 years to roughly 8 years, he would have saved over $21,000 in interest. He has also reduced the "effective" interest rate to less than 3%.

Plus, the buyer has paid off a 15-year loan in about 8 years! Even if he misses a few months of additional principal payments, he will still have saved thousands of dollars in finance charges.

The additional $150 per month added to principal has saved about $78 per month over choosing an 8-year initial loan term. That equates to about $7,500 savings in payment amount over the course of the loan.

What if I Don't Make the Additional RV Finance Payment?

The key to making a hybrid payment system work - is discipline. You must make the additional principal payment every month, or very close to it. You should be certain your scheduled payment amount plus any additional amount you plan to add toward principal is within your budget.

Even if you intend to use a hybrid payment system, but never add an additional penny to the principal loan amount, you will have simply paid off your loan, in the same manner, the majority of RV financing buyers choose.

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In house financing rv dealers near me

The RV Loan Approval Process

Motorhome and  RV loans are considered to be "Recreational Financing". This basically means that they are for "Luxury" items. Things you could live without if best, for some unexpected reason or event, came to worst.

Most people have applied for various types of loans in their lifetime. Student loans when you were younger. Auto loans may also be among the first types of loans that you have become familiar with.

Later in life, you may have encountered home loans, or even business financing, equipment, inventory and other types of credit lines. This list is seemingly endless, all with different criteria in qualifying and underwriting guidelines.

RV Loans vs. Other Types of Financing

Most of these types of loans are considered necessary expenses, such as your home and auto loan. If times become tough, or if you have unexpected medical bills or become unemployed, these "necessary" expenses are usually bills you would find a way to pay.

After all, everyone needs a roof over their head, as well as a means of transportation to get to work, the doctor - or even the unemployment office. You also have other fundamental expenses such as utilities and food. All of these things are considered necessary expenses.

Now, you may be considering purchasing an RV, and are possibly finding it much more difficult to qualify for this type of financing. It doesn't seem to make sense, since in many cases, your home, or even your car cost more than the RV or boat you are trying to finance, yet you easily qualified for these loans.

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Why is it Harder to Buy an RV Than a House?

Once again, lenders have to look at the difference between loans for necessary items and "Recreational Financing". The first being things like home and auto loans. The latter, being recreational items like motorhomes, boats or even other power sport related items such as motorcycles or personal watercraft.

Before the financial crisis and banking system "Bailout", recreational financing was much easier to obtain, just like the sub-prime home loans that led to the financial meltdown in the first place. Loans with zero down payment and "No Doc" loans were readily available - even in the field of recreational lending. Those days are long gone. And, if the banks are giving any indications, likely to never return.

Now, RV lenders are much more critical of things like:

1. Credit Score. (Above 700 normally required.)
2. Debt-to-Income Ratio. (Usually no greater than 42% - 45%.)
3. Liquid Assets. (How much money you have in accounts or investments.)
4. Employment & Residence History. (Over 2-years each is preferred.)

Lenders are even looking at a factor called "Payment to Income Ratio". This means that the payment for your new RV cannot exceed roughly 15% of your total monthly income. This is usually not a problem for individuals with higher incomes, but more likely to affect retirees or those on fixed incomes.

So, even though recreational financing is more difficult to obtain, it is not impossible by any means. An RV loan pre-approval can be helpful in determining if you qualify, and what price of RV you can afford - or - at least what the bank says you can afford.

To obtain pre-approval, you will first need to select a particular year, make and model, and establish an approximate selling price. This information is necessary, since part of the approval is based on the "NADA Loan Value" of that particular year, make and model of RV.

Once you have been pre-approved, you can switch to another similar unit and be relatively sure you will qualify, if it is relatively similar to the unit on which you were approved.

If you choose an RV Loan Pre-Approval, just enter the information for your "Subject Unit". We can normally receive a decision from the lender in as little as one day, so you're ready to close your loan as soon as you find the RV that's just right for you.

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Internet vs Dealer Financing: No credit check RV dealers

Internet RV Loans vs. Dealer Financing

You've just signed a purchase agreement with your local (or not-so-local) RV dealer. You know the drill... Your next stop will be the Finance & Insurance Office, (a.k.a. F&I) for your RV loan, financing rates, warranty, insurance, etc.

Your salesman does the "hand-off", and suddenly you are faced with a decision that seems simple, but can cost you many times the profit made on the "front end" of your transaction; the "back end", or Finance and Insurance office.

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As I always try to convey to my clients: "The dealer is NOT the enemy." In fact, he can be your best friend when your RV is in need of service or repair. He has laid out literally MILLIONS of dollars to allow you the opportunity to browse a good selection of units. He has paid his dues and continues to pay them on a daily basis. Keep his - and your best interests at heart when deciding on your source of any potential RV or motorhome financing.

There is one hard and fast rule that applies to RV Dealer provided financing. He must "pack" (inflate) the "buy rate" (interest rate) on the financing he provides to his customers to earn a profit on the transaction. Once again, he uses this profit to pay overhead, commissions, etc.

1. Should you consider the benefits of financing through your RV dealer? Yes.
2. Are you stuck with the financing and interest rate he quotes? NO.
3. Should you consider alternative sources of financing? Definitely!
4. Should I check Internet RV Loan Rates First? You MUST know the current rates!

Most RV buyers are so frazzled by the time they finish the negotiation to finalize the purchase of a new RV that they fold under the pressure of the F&I office. This can be a costly mistake.

Shopping for your best interest rate and terms can be just as important as shopping for the right RV, and negotiating your best price. In fact, you stand to save literally THOUSANDS of dollars by simply lowering your interest rate by a quarter to a half of a percent.

Information is the Key to Financing RVs Online or Offline

Online RV finance companies normally use many of the same lenders that RV dealers use. It's simply a matter of overhead and the cost of doing business. Since the Internet-based companies generally have lower operating costs, they are able to pass the savings on to you.

Most Internet RV finance sources have online rate quote forms and loan applications which can be completed in a matter of minutes. Normally, credit approval can be obtained the same day you apply.

When you submit your online application, you should also be prepared to send some additional documentation, which is necessary for your approval.

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Required RV Loan Approval Documents

If you are EMPLOYED (work for someone else), you will normally be required to fax or email proof of income. This is usually a recent pay stub and your last 2 year's W-2 forms. (For each applicant)

If you are SELF-EMPLOYED, you will normally be required to send your last 2 years tax returns and any attached schedules.

If you are RETIRED, you will need to provide documentation of social security benefits, pensions, dividends or other sources of income.

Once your loan is approved, your loan processor will help you in obtaining additional documentation, such as:

A copy of your purchase agreement with the seller.
A copy of the title. (MSO on new units).
Proof of insurance with the lender listed as "Loss Payee".
Copies of all the applicant(s) driver's licenses.

Most onine RV loans take from 4 to 6 business days to complete. Information must be collected, and documents must be sent by overnight mail for your signatures, and then sent overnight mail back to the lender.

When arranging the purchase of an RV, you should typically allow a week or so for your scheduled delivery date. This should allow plenty of time for rate shopping, loan approval, and closing. When your loan closing is completed, funds can be sent to the seller by overnight mail, or simply wire transferred. To save time, you may also choose an RV loan pre-approval so you're ready to close as soon as you find the right RV.

Which Type of Financing is Best?

If you want EASY? Let the dealer handle it.
If you want the BEST RATE? Do a little work.

Sure you will have to do a little more work, but if you break down your long-term savings into the actual time you have spent researching and completing your RV loan... You could be making a VERY short-lived hourly wage roughly equivalent to that of Bill Gates.

For more financing options visit NoCreditCampers.com

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No credit check rv take over payments

RV Shopping and Financing Online

The "ritual" of shopping for a new RV or Boat, and even recreational vehicle financing, has changed dramatically in the last decade - especially within the last 5 to 8 years. Gone are the days of driving hundreds of miles, from dealership to dealership; always at the mercy of time and distance - and the pressure of the sales office.

Granted, the Internet has been in fairly common use since the early 90's, but only in the last few years have we seen the majority of Recreational Vehicle buyers doing most all of their most focused and "actual purchase" related research and shopping without driving a mile. They are doing their homework at home, (and at work), on the Internet.

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In the earlier days of the Internet, potential buyers had been slow to embrace major purchases, such as RVs and Boats - especially without seeing and inspecting the unit in person. But, smaller online transactions on websites like Amazon.com, eBay.com and other increasingly popular web-shopping sites, have increased consumer confidence and slowly matured into much larger and more expensive online purchases.

With the introduction of eBay Motors in the early 2000's, people began buying and selling all types of motorized vehicles, but the sale and purchase numbers for RVs grew faster than anyone had anticipated. By 2004, the search term "RV" was in the top 10 search terms on the (relatively new at that time), search engine Google.

In the following years more and more people began using the Internet to search for "Bargains", and the numbers of RV buyers and sellers have increased exponentially, year after year. Our experience has shown that online RV sales and online financing to be increasing even faster than expected.

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Today, the "new generation" of RV and Boat buyers span the entire spectrum of recreational-related demographics. Every age group from young families buying their first camper for occasional outings, to retired full-timers in super-luxury units, are joining the online recreational vehicle purchase revolution.

These buyers tend to do their initial research by driving to the dealerships in their comfortable driving area, usually a 50 to 500-mile radius, or by making periodic stops along their travels and adventures over time. By doing this type of initial shopping, they are able to see, feel and drive the types of units available. They can learn the pros and cons of the various styles, sizes and price levels by seeing these units in person at the dealerships they visit - hopefully leaving their checkbook and credit cards in their vehicle. (Lest they meet a salesman, and buy something.)

Once they have narrowed down their general types or units of interest, they can begin their online price shopping. They can slowly narrow down their search to a particular year, make and model, with specific options. From there on out, they simply call each dealer and/or private RV seller with a unit that matches their needs. Sooner or later, they find the right deal - at the right price. Distance seems to be no problem if they feel they are saving enough money, or finding the right unit.

At WaveWallet, we have seen our percentage of online, and/or out-of-state purchases grow to more than 50% of our RV financing customers. And, because they are normally unfamiliar with long-distance or private-party sales procedures, we provide them with an easy roadmap to a safe and successful transaction.

The new online RV and motorhome "Private Sellers" are wary of their exposure to unscrupulous or fraudulent buyers, so we help guide them through the complete transaction as well. Our RV pre-approval and loan processing, title research, and closing departments coordinate virtually all aspects of the RV purchase, finance and loan closing. A smooth transaction can be crucial to help guide the purchase and sale process from start to finish, with all parties satisfied with the outcome.

So, now you are able to easily find the best price and financing for just about any type of recreational vehicle. The thousands of dollars in savings normally cover more than the cost of driving or flying thousands of miles to take delivery of your new toy or home on wheels, or on water.

While most potential buyers' interest in saving money intensifies during the frenzy of shopping for a new boat or RV, they should remember those industry related businesses they may need after their purchase. Your local Dealer may be much more likely to go out of their way for "post-sale" related activities like service, troubleshooting, etc. if you purchased the unit from them. As you travel further and further from home, the savings in actual dollars become more and more important.

The rapid rise in the use of the Internet for RV shopping has closed more RV dealerships than any other factor, even the extended economic recession. However, the fortunate dealers with deep enough pockets to survive the recession, and those adaptable enough to survive the Internet, have evolved with the changing times.

Now that much of a dealership's income from unit sales has been reduced, they rely more and more on the increased income produced by other areas such as the parts and service departments. They have added new avenues of income such as rental fleets, consignment sales and other products and services.

If you decide to take the Internet leap and save money by researching, shopping and buying online, remember to give your local dealers a chance at earning your business. If not the sale - be it for service, parts or repairs; a little more money spent locally can go a long way in good relations over the long term.

And don't forget to remember that a "Great Deal" can be found just about anywhere if you look hard enough and smart enough. So start close to home, then go from there.

"For every buyer flying from New York to California to save a little money, there is another flying from California to New York to do the same thing."

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RV for sale no credit check

RV rent to own

RV Loans from No Credit Campers are quick, easy and competitive. They are also a perfect solution for those who are looking to purchase an RV. There are several advantages of RV ownership including spending more quality time with your family, great way to see the country’s most beautiful places and an opportunity to go wherever you want to. RV’s are perfect for few day’s trips and don’t forget you can part it anywhere so you never have to look for a convenient hotel.

 

If you’re looking around for RV financing, you have come to the right place. We offer affordable RV loans with attractive interest rates and simple application process. If you’re worried about your financial past, we can offer you a bad credit RV loan, which may ultimately save you money on family holidays. We offer a variety of financing programs and whether you’re looking to make set payments for a loan duration chosen by you, or you’d prefer something a bit more flexible, we can find an RV loan that’s right for you. Apart from standard unsecured loans we also offer a 0% RV Financing. It’s our most popular credit card program that will allow you to not only make flexible payments but also pay off early with no extra charge.

 

We provide 30 second approvals in most cases and aim to transfer the money onto your account within 7 days of approval. Our applications are easy to fill in and we limited amount of paperwork required. It’s simple, straight forward and help is available for all our customers in case you have any worries or questions about the loan or the application process.

 

If you are an RV dealer and not yet provide financing for your clients, our RV dealer financing program will be perfect for you. It will extend the level of service you provide. Also, financing is all the customer may need to make a purchase. To find out more and to set up visit our partners page.

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RVing 101: What you should know

RVING 101 | RV Types

Introduction into the different types and classes of RVs and what makes each type unique.  This is the perfect guide for “newbies”.

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For financing click here.

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Class A Diesel Motorhome
Often referred to as a diesel pusher motorhome. The large diesel engine on this motorhome is located in the rear of the coach, which ads extra power to the RV when compared to its gas powered counterpart. Having the engine in the rear also adds to the quietness and smoothness of the ride. The diesel engine essentially pushes the motorhome down the road. Class A diesel motorhomes are great for long trips, and cross-country adventures. In many instances they are the perfect RV for the full-time RV’er. The diesel engine usually lasts longer and is more durable than the gas engine on other Class A’s. Diesel motorhomes are the epitome of luxury RVing.

Class A Gas Motorhome
Class A Motorhomes are a popular option for full-time or long-term RV’ers. Class A’s offer many of the comforts of home including residential full-sized furniture, slide-outs for added space, often times a residential refrigerator, and even potentially a washer and dryer (depending on the RV). Class A motorhomes resemble a bus, with a vertical front windshield with large windows.

Class C Motorhome
These motorhomes are usually built on a truck chassis and attached to the cab portion. Some manufacturers of Class C engines include Chevy, Ford, and Mercedes Benz. Class C RV’s have a distinctive “cab-over” profile that makes them easy to recognize. Many class C’s offer similar amenities to their class A counterparts, just on a smaller chassis. Class C Motorhomes are perfect for RVers of all types from families, to singles, to those that love remote exploring and camping.

Fifth Wheel
Fifth wheels are the largest type of towable RV. They are pulled by large pick-up trucks with a special fifth wheel hitch. Fifth wheels have large living spaces, and are easy to tow given their size.

Travel Trailers
Travel trailers are quite possibly the most recognizable form of RV on the roads and in campgrounds today. The Travel Trailer is also known by many as the “camper.” It is designed to be towed by a bumper hitch or a frame hitch. Travel trailers were designed with all types of RVers in mind. Multiple floor plans and styles are available to suite your every need. Travel trailers are favorites amongst RVers who enjoy the freedom of having a vehicle to enjoy their destination and a complete home unit wherever they are.

Fold Downs
Fold Downs are also commonly known as a “camper trailer,” “pop-up,” or tent trailer. This form of RV is versatile, and perfect for the young family who is looking to enter the towable RV marketplace. Camper trailers have often been the constant fixture in family camping throughout the years. Many times “pop-ups” are the first trailer that an RV’er purchases. They are lightweight, which means they are towable by virtually every type of vehicle. These towable RV’s are available in a variety of lengths, and often are available with options such as refrigerators, hot water, air conditioning, and even bathrooms.

Truck Camper
Truck campers are in many ways the most versatile type of RV. These recreational vehicles are capable of going anywhere your pick-up truck would go. In fact they affix right to the back of a truck, over the truck bed. The truck camper has been around since the early 1950’s and innovations wheels usually have large ceiling heights and more slide-out rooms when throughout the years have made the interiors much larger and expansive than when they were first introduced.

Expandables
Expandable RV’s are designed to be towed by mid-sized vehicles with a bumper or frame hitch. Expandables are in many ways a camper trailer with hard sides, as opposed to tent material sides. However, they do have expandable tent ends. Expandables are often the second RV in which entry-level buyers turn to after the “fold-down” camper. Expandable RV’s are often viewed as an upgrade to the camper trailer due to their durable side walls. Many expandables come with a kitchen, living space, bathroom, and even a slide out.

Toy Haulers
Toy Haulers are built to haul all and accommodate all of your toys. They are perfect for those RVers who want to hail snowmobiles, ATV’s, four wheelers, or even motorcycles. Toy hauler RV’s have a large cargo garage in the rear of the RV and are available in toy hauler, fifth wheel, or even motorhome styles.

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Moving Loans Made Simple

Designed to Save.

"I received several moving quotes before choosing No Credit Campers. By far the lowest price with the best reputation." – Alison & David M.

This is just one reason so many customers choose us. But the good news doesn't stop there. Getting a moving quote has never been easier! No one comes to your home. No face-to-face, high-pressure sales. Simply straight-forward pricing that's easy to understand.

Just enter some basic information about your move, and click the big orange button. You'll get an instant view of how much it costs to move with us

 

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Moving Quotes for Every Need and Budget.

In addition to low prices, No credit Campers estimates also provide solutions for virtually every moving scenario. If you don't see an option or price that fits your needs and/or budget.

 

Large Move?
Select the moving trailer option shown on your moving quote, and pay only for the space you use.

 

Small move or limited parking?
Select the ReloCube option shown on your moving quote, and pay only for the number of ReloCubes you use.

 

Moving on a budget?
Change your moving quote to an off-peak day, or choose a U-Pack terminal-to-terminal move and save.

 

Need storage?
Move and store in a trailer or a ReloCube.

 

Need help with labor?
Add packing and loading help.

 

Need a faster transit time?
Choose U-Pack Guaranteed to guarantee or expedite the estimated transit time included in your moving quote.

Looking for a personal loan? Checkout WaveWallet.co

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Rent to own RVs near me

Basic Factors Involved in RV Loan Approval

Lenders look at several factors when underwriting each RV loan. Every lender is different and stronger areas of your credit profile can help outweigh weaker ones. There are several consistent factors that each lender will pay careful attention to when considering a potential loan.

1. Credit Score - When evaluating the purchasing of a car or even a home, lenders commonly grant an approval based on factors and credit scores lower than those required to purchase an RV. These items, RVs and boats, are considered luxury items. If you were to lose a job, become disabled, or become unable to pay your normal bills, then it is common sense to assume you will stop paying "luxury" items first.

RV lenders normally require a credit score of approximately 700 or better, with no visible credit history of bankruptcies, repossessions, foreclosures, liens, etc. Even late payments as recent as the last several years can be reason for them to decline a loan

2. Debt-to-Income Ratio - Your debt-to-income ratio is the percentage of your monthly revolving debt in relation to your gross monthly income.

Revolving debt is generally considered to be expenses such as monthly mortgage payments, auto payments, credit card debt and other things that may contribute to your monthly debt obligations. Monthly expenses like utilities and other personal items such as cell phone bills are not considered in computing debt-to-income ratios.

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Currently, lenders are limiting the maximum debt-to-income ratios at 42% to 45%. As little as an additional percent or two can be cause for a decline. You can figure your own debt to income ratio by dividing your total monthly revolving debt by your gross monthly income.

For example, to figure your own ratio, use a calculator as follows: $4,000 (monthly debt) divided by $10,000 (monthly income) equals 40% (debt-to-income ratio). Your own figures won't be as simple as this example, but be sure to use "monthly debt divided by monthly income" to get the correct percentage.

3. Liquidity - Liquidity is basically your total amount of readily available cash. Things that are considered are checking accounts, savings accounts, securities and investments. Company retirement accounts that are inaccessible or cause serious penalties for withdrawal are normally not regarded as "liquid assets".

In other words, how much money do you have available to pay bills if your income is interrupted, either temporarily or permanently? There is no set amount or ratio that can be computed. Each lender and situation is evaluated on a case-by-case basis. Excellent credit could allow a lender to accept lower liquidity and vise versa.

4. Loan Value - As with nearly every type of loan, the value of the item being purchased is a consideration. An RV's value is normally determined by its "book value" as listed in the N.A.D.A. valuation guide. Some lenders add value for optional equipment while others do not. Each has its own formula for determining the loan value of a particular RV.

You can look up RV values at NADA RV Values website, but be cautious of how many options you check as applicable. Many of these options are considered standard equipment by both the lender and the unit's manufacturer. For example: A refrigerator is always standard equipment, but a larger, side-by-side with an ice maker would be considered optional equipment.

Since the loan value of a particular RV is a major factor considered in the approval of each RV loan preapproval, you will need to provide basic information on one specific unit, no matter if it is for an actual loan approval or a pre-approval.

It's normally advisable to wait until you have narrowed down your choices to a particular type, year and price range. You can then provide a subject RV's information for the pre-approval. As long as you stay close to the subject vehicle's basic information, the lender can simply switch the collateral (RV information) on the same approval.

Pros and Cons of RV Loan Pre-Approval

You should be wary of "shopping" your RV loan pre-approval to multiple brokers since each one will pull your credit report from one or all three credit bureaus several times. Each broker's loan processing department will need to pull your credit for their own records and information as well as any lender(s) the loan is sent to for potential approval.

Complete Our Easy RV Loan Pre-Application Now!

Multiple credit inquiries can lower your credit score by several points per inquiry, although lenders realize that some inquiries are part of any loan approval and consider a few to be normal. Excessive inquiries, 3 to 4 or more in a very short period of time can damage your borrowing ability. Multiple credit inquiries or "Hits" as they are sometimes called, may appear as if you are shopping for loans because you have been turned down elsewhere, even if that isn't the case.

By applying with a single broker or lender you can avoid the problem of multiple financing inquiries on your credit report on the three major credit-reporting agencies. Also, by having your RV loan pre-approved you are able to close on your purchase much faster than if you wait until you find the exact unit you decide to purchase. This is especially helpful when buying on eBay, from other online sources or from a seller who may have other potential buyers who could "beat you to the punch" while you wait for your loan approval.

Just as you shop for the exact RV you may decide to purchase, it is wise to do your homework and check the rates, fees, and terms of various lending sources before you apply for your loan pre-approval. Once you have narrowed your choices down to one or two sources, then you can proceed with your RV loan pre-approval application. Once approved, you will be prepared and ready to purchase the RV that's just right for you.

Learn, Save and Enjoy!

Interested in loan shopping? Visit WaveWallet.co

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Cheap Places to Travel in rent to own RV

Boondocking on public land is a great way to avoid the crowds in RV parks and save some money on camping fees. The Bureau of Land Management (BLM) has over 400 campgrounds and almost all of them have sites that can accommodate RVs.

These BLM campgrounds don’t have hookups or dump stations, but their low nightly rates reflect the lack of amenities. Come prepared and you can get total peace and quiet for less than $20 a night.

1. Ken’s Lake, Utah

South of Moab and Arches National Park, Ken’s Lake has 31 well-spaced sites that can fit motorhomes of all sizes. The campground has a quiet, beautiful setting with views of the lake and the nearby La Sal Mountains.

Sites are only $15 per night and available first-come, first-served. The campground has no potable water, so be sure to bring your own. The area has over three miles of hiking trails for views of the lake, Moab Valley, and Faux Falls.

2. Edson Creek, Oregon

Edson Creek Campground, only fifteen minutes from the Oregon Coast, is located in an open meadow where the creek flows in the Sixes River. The 27 campsites (and 5 group sites) have picnic tables, fire rings, and access to restrooms and potable water. There is also a day-use area and a boat ramp just across the street.

Edson Creek Recreation Site. Photo via BLM, Flickr

Sites are only $8 a night ($30 for group sites) and $4 per extra vehicle. The campground is only a short drive away from the coastal beaches, hiking trails, and shops and restaurants in Port Orford.

3. Devil’s Elbow, Montana

Northeast of Helena, Devil’s Elbow Campground has 42 campsites overlooking Lake Hauser, a reservoir on the Missouri River. The level, gravel sites can fit any size RV and all have views of the lake and surrounding mountains.

Devil’s Elbow Campground. Photo via Recreation.gov

The lake also has year-round fishing for trout, walleye, and kokanee salmon. Sites are only $15 a night with a limit up to 14 days. You can reserve a site ahead of time for Loop A and Group Camping, but the rest of the sites are first-come, first-served.

4. Wild Rivers Recreation Area, New Mexico

In Northern New Mexico, Wild Rivers Recreation Area is located within the Rio Grande del Norte National Monument. It’s very remote and off-the-beaten-path, but you’ll be rewarded with solitude and impressive views for only $7 a night.

Wild Rivers Recreation Area. Photo by BLM New Mexico

The 13-mile Wild Rivers Backcountry Byway branches off the main highway and leads past the campgrounds and trailhead parking lots. The recreation area also has a visitor center with maps and more information on the local history and geology.

5. Goodale Creek Campground, California

The sites at Goodale Creek have sweeping views of the Sierra Nevadas, Inyo Mountains, and Owens Valley—and they’re only $5 a night. However, the primitive campground has no water or restrooms, and the nearest amenities are in Big Pine about ten miles north.

Goodale Creek. Photo by BLM

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Get approved for an RV loan with bad credit

Get approved for an RV loan with Bad Credit

No Credit Campers RVs specializes in loan approval. We work with a number of lenders including national banks, local credit unions, and some banks that work exclusively with sub-prime RV and Travel Trailer loans. While the decision is ultimately up to the banks, we will try our best to get you approved at the best rates possible, no matter what your credit situation is. Get started here!

One reason No Credit Campers RVs has such good luck with bad credit approvals is because our prices are typically well below the "book value." Banks love this because it is a safe investment.

In order to maximize your chances for approval, please keep the following in mind when looking for your RV:

  • Look for RVs less than 10 years old

  • Look for a selling price that is below NADA book value (most of our inventory will fit this)

  • Towables are easier to get approved than Motorized RVs

  • The loan amount should be between $5,000 and $40,000 (not an absolute ceiling)

  • When deciding on a budget, be sure to factor in a higher interest rate (typically between 17 - 20%)

  • At least 10% down is required for sub-prime loans (your trade can count toward your down payment)

  • Look for "part-time use" RVs and travel trailers. Banks don't like to loan to full-timers or anyone using their RV as a temporary or permanent residence.

  • Your credit score must be at least 550 or above

Click here to browse RVs and Travel trailers 10 years and newer, from $5,000 - $40,000

Q: What will my payment be?

A: Payments depend on a number of factors including the loan amount, loan term (how many months), and the interest rate you get approved for. Sub-prime interest rates on RV loans generally range between 17.95% and 20.95%.

Q: Why are rates so high?

A: To answer this question, you must think like a bank. In any loan situation, the rate is always negatively correlated with your credit score. In other words, the higher your credit score, the lower the rate, and vice versa. This is because your credit score tells a bank how risky it is to loan money to you. RV loans also tend to draw slightly higher rates than car loans do, because an RV is "want" and not a "need." The bank assumes that if times get tough, your RV payment will be a lower priority than your house or car payment.

Q: What happens after I fill out the Online Financing Application?

A: The application gets sent directly to our finance manager. Before doing anything, we always contact the customer to find out exactly what he or she would like to accomplish and what steps are needed to get there. From there, the process depends on what the customer's goals are. Nothing will be done without the customer's permission.

Q. Can I get an RV loan with No Money Down?

A: Not likely. Banks typically look for at least 10% down for sub-prime loans.

Q. What is the maximum loan term when financing an RV with bad credit?

A: The maximum loan term can range from 96, up to 144! This limit depends on factors such as how much money you put down, the year and type of RV that you are purchasing, and your credit score.

Q. Can No Credit Campers RVs help me get a loan if I am buying an RV from another person?

A: No. We are not lenders ourselves, and can only help you get approved for loans on RVs and Travel Trailers that we sell. With our extensive inventory, there's a good chance you can find what you are looking for. Please browse our inventory , or contact a salesmen if you need help finding something that suits your needs!

Q: I have heard that pulling my credit report can hurt my credit score... Will my credit score be hurt from filling out the Online Financing Applications?

A: Your credit score WILL NOT be affected by filling out the Online Financing Application. Again, the application goes directly to our finance manager and no further action will take place until we contact you. That means we will not pull your credit report, send the application out to any banks, or share your information without discussing it with you first.

Q: How do I know my information is safe?

A: As stated in our privacy policy, the information that you give us by filling out the form is only shared with the banks we work with. We DO NOT SHARE OR SELL your information to any third parties, and you WILL NOT be put on any mailing or spam lists. We also keep all private information locked up in accordance with state law.


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Owner Financing is the Passion

We have a true passion for Campers.

A nationwide determined team of members are helping No Credit Campers.com revolutionize the way ordinary Americans buy and finance Campers every day. Count on us to make your next Camper-buying experience the best you’ve ever had.

Who We are

No Credit Campers provides an easy and convenient way for consumers to be matched with a personal loan through our network of lenders. Our online service can enable you to get a loan of between $1,000 and $20,000, right from your home or office, or even on the go through your mobile device. We help people looking to borrow for any number of reasons, whether it be for a home improvement project, a family vacation, debt consolidation, auto repair, medical expense, or anything else.

Though our simple online process is designed to match our clients to potential lenders, we do not function as a lender ourselves. We connect consumers seeking seeking fast, hassle-free financial assistance with skilled, reputable lenders who can provide it, and we do this without charging any fees to our customers.

Through No Credit Campers, you can get needed loan funds quickly, in as little as just one business day. You don’t have to pay back these funds quickly, however, as the repayment time frame ranges from six to 72 months depending on the terms of your lender. For shorter-terms loans offered, such as installment loans, the repayment time frame may be less than six months.

What we do

We offer a short online loan request form for you to fill out at your leisure. And with only a few basic eligibility criteria for borrowers to meet, we make it simple for you to qualify for loan assistance. Once you submit your loan request we immediately go to work, searching our lender network for the loan offer that best suits your needs.

Once a loan offer is found, we redirect you to the lender’s offer page containing the details of the loan. You may have to fill out some additional information once you get to your lender’s website so please follow the lender’s instructions carefully. Your funds will be deposited directly into your checking account soon after you are approved for the loan and accept the terms of the loan. Did you know that you can save money by getting a loan through No Credit Campers.com instead of a traditional lending source? You are able to take advantage of our competitive matching service where lenders compete to provide you with a loan. You don’t have to worry about any pricey hidden charges, set-up fees or membership fees with our service.


For loan options click here.

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