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02-27-2023, 12:58 PM #11
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Steve- Inventory Manager at Tom Schaeffer's RV, Shoemakersville, PA www.tomschaeffers.com
[email protected]
2011 RAM 3500 SRW Outdoorsman Edition 4X4, 6.7 Cummins--TWEAKED!
2021 Reflection 310RLS
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02-27-2023, 01:33 PM #12
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I'm just trying to find out what's possible. Assume the trade-in is good. Could I get a 2023 for 62k?
2017 Ford F250 6.7 Diesel
2023 Grand Design 315rlts
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02-27-2023, 01:43 PM #13
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02-27-2023, 02:18 PM #14
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Steve- Inventory Manager at Tom Schaeffer's RV, Shoemakersville, PA www.tomschaeffers.com
[email protected]
2011 RAM 3500 SRW Outdoorsman Edition 4X4, 6.7 Cummins--TWEAKED!
2021 Reflection 310RLS
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02-27-2023, 06:34 PM #15
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- Nov 2022
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- Western NY
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Absolutely you can. Go sign the papers.
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02-27-2023, 07:04 PM #16
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Thanks. I'm going up Saturday. We'll see how it goes.
2017 Ford F250 6.7 Diesel
2023 Grand Design 315rlts
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02-27-2023, 07:22 PM #17
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- Nov 2016
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- Florida
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You need to negotiate three items in the following order, not how much a month. The monthly payment will be based on the factors below.
1- Price paid for unit after all fees and options
2- Trade in value
3- Interest rate and years financed.
For example negotiating an additional $1,000 price reduction or $1,000 better trade in value would reduce your loan by $1,075 after figuring taxes, and it will reduce monthly payment $8.92/month. That $8.92/month saves you $2,140 over the life of the loan
But with a 20 yr (240 month) loan you will be upside down throughout the life of the loan. You will never have equity in the RV. Are you willing to do this?
You do realize that in you example of $490/month for 240 months @7.9% is $117,600? Then if you add you $8,000 trade in you would have paid $125,600 for that RV!!Last edited by Jerryr; 02-27-2023 at 07:30 PM.
Jerry & Linda
Emma & Abby our Mini Golden Doodles & JR our Amazon Parrot
2017 Reflection 337RLS, Build Date 01/2017, Titan Disk Brakes, Goodyear G614s 235/85/16 G Rated tires
2022 F-450 King Ranch Ultimate, 4,868 lb Payload, Bedrug Bedliner, Andersen Ultimate II Aluminum 5th wheel hitch
http://visitedstatesmap.com/image/FLGANCSCsm.jpg
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02-28-2023, 06:56 AM #18
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- Houston (Humble area)
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My opinion it's a bad idea to finance these RV's for 20 years. I doubt it will last that long and as previously stated you will be upside down in your equity for most of the loan period. I would suggest looking for a used trailer 2-3 years old. Pay less, finance less for a shorter period.
John & Cindy
2019 Reflection 303 RLS
2018 Ford F250 6.7 PSD
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02-28-2023, 07:13 AM #19
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Yea, kinda like a 30-year mortgage. Ideally, I would have cash, but since I don't have 60k I will have to finance it. Unfortunately, I had to upgrade the truck which was a major financial headache (because of the used car market). I think if I can initially afford the payments and pay extra later is a better option (also refi when rates come down).
2017 Ford F250 6.7 Diesel
2023 Grand Design 315rlts
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02-28-2023, 07:51 AM #20
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Good luck with your quest. What are you trading in?
The used and new truck market today is crazy. It’s tough to find a deal on a truck on a dealers lot. When ordering new there’s more of a chances for a deal but the wait time is real long. You will enjoy your F-250 diesel.Jerry & Linda
Emma & Abby our Mini Golden Doodles & JR our Amazon Parrot
2017 Reflection 337RLS, Build Date 01/2017, Titan Disk Brakes, Goodyear G614s 235/85/16 G Rated tires
2022 F-450 King Ranch Ultimate, 4,868 lb Payload, Bedrug Bedliner, Andersen Ultimate II Aluminum 5th wheel hitch
http://visitedstatesmap.com/image/FLGANCSCsm.jpg
Air Springs - Couple of Questions
Today, 12:53 AM in Tow Vehicles