Financing

[bnrevergreen]

For the most part, what kind of rates are folks seeing at the dealerships..... I have a feeling we won't be seeing 1.9% like on our car.

[Rustyone]

Hi bnrevergreen:  Your feeling about 1.9% is correct.  Ain't gonna happen.   I asked this same question here and if I new how to link to it I would, sorry.  Just look for new PUP financing questions (5-23-05).
I can tell you right now that average rate is 6% +/-.  Your FICO score should be over 700 to get that rate, and as mike4947 pointed out and I confirmed this is if you go with personal loans 8 to 10 years can be had. (of course you'll pay $10,000 finance charges going that long).  A drawback to the personal loan route is you can't write it off your taxes even if it meets all other requirements.  It is my understanding that to use the write-off the PUP has to be the collateral and I don't believe a personal loan requires collateral.  (could be wrong)
Best I was quoted so far was 6.2% for 8 years with no money down.  I have not contacted my dealer yet to see what he might have.
Good Luck; let me know if you find better.
Russ

[garym053]

Cars/trucks and RV's are different critters! IF car/truck sales falter, you can bet the dealers will have 0% to 4.9% financing available thru GMAC, Ford, or Chrysler Credit, just to keep the market going!

RV's are another matter, I feel that there will be good deals to be made on larger rigs, if gas/diesel prices stay high. If they moderate, then finance rates and/or purchase price will go up on the bigger rigs. I think the Hybrids, PU's and lightweights will continue to be the hot sellers in a high fuel price market.
Just a guess, but I'd bet on it!