Shop around with credit unions as well. Unfortunately when I purchased I just took the rate they gave me and paid off in full a month later when I left my job and cashed out on my deferred compensation.
If I had to finance it, I may look at taking out a home equity line of credit or even wait for a couple more years. You can save all the money you intend on paying towards your monthly airstream purchase and just bank it. You can come to the table with a greater down payment at that point.
RVs will always fetch a greater APR because they are completely unnecessary for one to live much like a motorcycle or boat. It would be easy for you to drive off in the sunset and never make a payment on it as well, which is why they want to fetch a higher %
The good thing is that they finance it like a house, so your payments are over something like 20 years and you’re really talking about an extra few bucks a month. It may not be worth all the time spent shopping around if you plan on paying down the principal quickly anyways?
As I said, I’m in the camp of saving and coming to the table with a larger payment though.
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