Pre-Qualify No SSN Required
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Getting Pre-Qualified without impacting your credit scores is just another example of how “Our Business is Your Vacation!”
That’s right, we can pull credit reports without a Social Security Number and without submitting a hard inquiry on your credit file. This process does not require your date of birth or your employer’s information either! When we pull your credit bureau this way, we can show you your actual credit score that our RV lenders require and show you exactly where you stand. Select a location above and submit your request to “Pre-Qualify No SSN” for the RV of your dreams. It’s one simple step and very secure. There’s no obligation to buy and you can submit from the convenience of your smart phone, computer or tablet. Curtis Trailers is The Northwest’s Towable Leader since 1948 and we value the opportunity to earn your business.
Why Finance Your Rv?
When you finance your purchase instead of liquidating assets or paying cash, you maintain your personal financial flexibility. Plus, your RV may qualify for some of the same tax benefits as a second home mortgage. Of course, check with your tax advisor, but basically to qualify for these benefits, such as the deductibility of interest on the loan, the RV must be used as security for the loan along with providing basic living accommodations such as a sleeping area, bathroom and cooking facilities. Remember, the RV is considered a qualified second residence as long as you designate it for each tax year.
How It Works
Borrowing against an owned home is not an option unless the money is used directly for that home. Home mortgage interest deduction is restricted to interest paid on mortgage debt used to purchase or improve a residence, or to refinance the remaining balance on a purchase or improvement. The purchase of an RV, therefore, does not qualify for this deduction. Home equity loans limit the amount of interest that is deductible, if your RV loan balance exceeds $100,000. Home mortgage interest deduction is limited to interest paid on home equity loans up to $100,000.
Down payments are lower – Although final terms are determined based on your credit profile and the age, type and cost of the RV being purchased, financing through RV lenders usually requires down payments in the 10% range.
Finance terms are longer / Monthly payments are lower – Because RV finance specialists know that RVs maintain their value and resale appeal, they tend to offer more attractive terms. In fact, it’s not uncommon to find 15-20 year repayment schedules to help you afford the RV of your dreams.
The Last Word on Rv Financing
Your RV might actually cost you less in the end if you finance your purchase. By not tapping into your financial assets to purchase the RV, you can take advantage of attractive new investment opportunities that might come along and the earnings from those investments can potentially exceed the cost of your RV financing. The bottom line is that if you are thinking of buying an RV, you should check financing options to maximize your purchase enjoyment. You’ll be on the road enjoying your new RV before you know it!.