CA: Anyone Canceling a Factory Order for an Escape 17B or 19? - Page 2 - Escape Trailer Owners Community

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Old 04-27-2015, 04:05 PM   #11
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I'd shop for another lender but...
The no down payment option and great rate I was offered at my bank, would be hard to beat.
It does not matter that your bank does not require a down payment or that they have great interest rates, .... they did not approve your loan! Loyalty to them in those circumstances does not make any sense. Go apply at some other banks. Unless the terms are terrible, almost any approval elsewhere will beat what your bank is offering.
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Old 04-27-2015, 04:20 PM   #12
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I would expect that the exchange rate advantage would more than make up for the bank rate. Buy new and you get it your way. I doubt if the bank will give you nothing down and a great rate on used.
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Old 04-27-2015, 04:28 PM   #13
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As someone that barely missed a 2014 trailer, I can tell you that the difference between a 2015 and 2016 is about 2 weeks. Unless you have December camping plans, it doesn't make much difference.

My insurance company and the state DMV were a bit finicky about ETI. It was all doable; but they aren't quite large enough to be on everyone's radar, yet. I'd find another bank.
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Old 04-27-2015, 04:31 PM   #14
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Originally Posted by Charley View Post
I'd shop for another lender but...
The no down payment option and great rate I was offered at my bank, would be hard to beat.
Love that Duane Allman song "No Money Down"

He was ordering some options on that Caddy I see on this Forum
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Old 04-27-2015, 04:40 PM   #15
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I was once advised to, "follow the bank manager". He knows your history.
If your current lender doesn't want to work with you, switch lenders. The moment you find a new lender, move ALL accounts, Visas, safe deposit boxes, etc. into the new lenders financial institution. Then tell the old lender why you moved.
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Old 04-27-2015, 04:59 PM   #16
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Originally Posted by sturski View Post
As someone that barely missed a 2014 trailer, I can tell you that the difference between a 2015 and 2016 is about 2 weeks. Unless you have December camping plans, it doesn't make much difference.

My insurance company and the state DMV were a bit finicky about ETI. It was all doable; but they aren't quite large enough to be on everyone's radar, yet. I'd find another bank.
Yes, only two weeks. But a price increase also! And don't forget about those current exchange rates.
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Old 04-27-2015, 05:00 PM   #17
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Quote:
Originally Posted by J Mac View Post
I was once advised to, "follow the bank manager". He knows your history.
If your current lender doesn't want to work with you, switch lenders. The moment you find a new lender, move ALL accounts, Visas, safe deposit boxes, etc. into the new lenders financial institution. Then tell the old lender why you moved.
Hi: J Mac... "Bin there... done that". Only thing I kept there was a line of credit with a 0 balance. Alf
escape artist N.S. of Lake Erie
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Old 04-28-2015, 10:05 AM   #18
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You might look into credit unions. Mine had no problem with a Canadian company, and provided a great rate...
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Old 04-28-2015, 11:52 AM   #19
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All great advice folks, thank you. I'm shopping for another bank. Power to the people!


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Old 04-29-2015, 01:10 AM   #20
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Sometimes you have to get creative when shopping for money. In my case, I wanted a travel trailer but would also need a new TV to tow it ($$$)! Vehicle loans are way cheaper and easier to get than RV loans, personal or equity loans. So, I sold my car, paid for the trailer in cash, and took out a loan on a new vehicle. I know every situation is different, but look to exploit unique opportunities.
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