Little Dealer Little Prices

RV Warranty Forever

MESA Service 480-655-9592
Sales 480-321-8365

PHOENIX Service 623-889-3950
Sales 623-889-3995

PRESCOTT VALLEY Service 928-350-2474
Sales 928-350-2400

Get Pre Approved RV Financing

RV FINANCING HAS NEVER BEEN EASIER!

FREQUENTLY ASKED RV FINANCING QUESTIONS

Is Financing Available Through Little Dealer Little Prices RV?

Yes! Even with some prior credit problems our lenders have competitive programs with excellent rates and terms to fit your budget.

Is it possible to "write off" the interest on my income taxes?

Yes! The government requires that the RV be self-contained and you are not currently deducting interest on a second home. Please consult with your tax preparer for verification.

What would my interest rate be?  Interest rates depend on the following factors:

  1. Credit Rating - Excellent credit may lower the rate
  2. Down Payment - Lenders usually require 10% down
  3. Balance of Loan - A higher balance may lower the rate
  4. Term of Loan - Longer terms may lower the rate

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 deductability 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.

What Are the Advantages of Financing Through a RV Lending Specialist?

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.

How Does RV Financing Compare With Other Payment Options?

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.

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!

Information provided by GoRVing.com  

Please contact us to estimate freight and delivery and give you a general idea of costs. Our freight and delivery costs and/or per mile costs can change without notice. Final freight and delivery costs will be calculated with your deal. Freight is calculated based on cost from manufacturer to us.

Arizona State Trailer Sales, Inc. dba Little Dealer Little Prices RV (LDLP) is a full service RV Dealer with facilities in Mesa, Phoenix and Prescott Valley, Arizona. LDLP makes every effort to provide accurate and complete information, however errors still happen. LDLP provides NO assurance or warranty, expressed or implied, as to the accuracy, fitness for use, reliability or completeness of the data contained herein. It is up to the buyer to verify all information before purchasing. All unit prices listed may be subject to government fees and taxes, finance charges, added options,documentation fee, preparation charge, shipping or other added cost. Unauthorized attempts to upload or change information on this website are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act. Information may also be used for authorized law enforcement investigations. This site uses a tool which collects your requests for pages and passes elements of them to search engines to assist them in indexing this site. We control the configuration of the tool and are responsible for any information sent to the search engines.

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