Our journey to buy this RV was pretty frustrating. From looking to getting financed to getting tags, each step was difficult. Learn from our mistakes.
We spent time at RV shows, walking through dealer lots and perusing listings. We went to the RV show in Kansas City and that was nice, but there were so many RVs we were kind of lost. Plus, with the crowds, it was difficult to concentrate and take our time. Same thing with the RV show in Omaha.
We also went to Camping World in Council Bluffs, Leach Camper Sales in Council Bluffs and AC Nelson in Omaha. None of them really had a camper we liked, though Camping World suggested RVs.com and said if we found something we liked they could get it for us. We never really saw anything we liked. The dealerships mostly had either really old ones or brand new ones.
We tried getting ahead of the game before starting by getting prequalified. We wanted to know how much we could buy. The bank wanted all kinds of information so we had to wait. And in the end, it bit us in the butt.
Looking Some More
We went to the internet and found an RV we liked through craigslist. We went out one Saturday morning and looked at it. We went to the bank with the information and, after getting more information from the sellers, applied for the loan.
We decided to look at some more RVs, just in case. We found one we liked even better than the first so we told the first seller no thanks. We went to the bank with the information for the new RV and waited. And waited.
The Loan Process
Our bank finally got the loan paperwork together and told us we had to be there the next day. They started the loan paperwork when we applied for the first RV, not the second one. They had a 30-day limit and took so long to get the paperwork together, we had to do it the next day or start the process over again.
When we got to the bank they took a long time to get things together. They had issues but finally got the paperwork together. We picked up the RV from the seller and spent time going over it. But it was so late we had to pick up supper at a drive through on the way there, the kids had to do homework in the car and my wife had to leave for an appointment while I was still going over the RV.
It Wasn’t Over Yet
I know, you’d think it was over but that wasn’t all. We wanted to pay the sales tax and get the tags but the county didn’t have the title. We also needed to get a bill of sale from the seller. He said he hadn’t gotten the check from his bank but when he did he’d get us the bill of sale. Our bank said they hadn’t gotten the title from the seller’s bank. We paid the sales tax (ouch!) and that kept us from getting fined for paying late. Our bank finally called to say they had the title and the seller got us the bill of sale. Now we have tags!
Finally, the Lessons Learned
- Look at all sources, including online.
- Look at several that you like. We could have gotten a decent RV with the first one but did get a better one with the second.
- Banks suck. They really, really suck. Bring your patience. You’re gonna need it.
- Go to the NADA online site and find the page for the RV you’re interested in buying. Print out the list of all the features and work with the seller to fill that out. You will want to take it to the bank to help with the loan.
- Print out a bill of sale and get the seller to fill it out when you get the RV.