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Old 01-24-2018, 10:16 AM   #1
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Join Date: May 2017
Posts: 16
financing options

Did any of you shop for financing options or did you just go through SMB/dealer? If you shopped around, what good options did you find? It seems like rates can vary quite a bit, I just want to feel like we did our research when we decide on a lender.


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Old 01-24-2018, 12:42 PM   #2
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We went with what SMB found for us (SMB North) was pretty competitive and more importantly, EASY...sign and drive sort of speak...we got it under a 20 year loan/ "second home" guise...our SMB has sink, furnace, and fridge which ( i'm pretty sure) qualified it as a second home...We got tot take off interest on taxes too (don't know if you can still do that)....we (eventually) ended up cashing out some equity on our house to "pay-off" the loan...the trade off was a 1.5% savings on overall rate (3% down form 4.? whatever it was), and shaved 5 years off with a 15 year mortgage, thinking saving over 30K on overall interest (though it is all on paper, sort of speak) that is how we did it...good luck with whatever you do decide to do, keep us all posted!...
PS. good thing is, these wonderful machines hold their value quite well...

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Old 01-25-2018, 10:23 PM   #3
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When I picked up my SMB in 2012 they used Bank of the West and I went with them due to their familiarity with the vehicles and also due to the fact that their rate was competitive. I'm still happy with the choice.

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Old 01-26-2018, 07:22 AM   #4
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Thanks for the input! Seems like that's the way we're going.
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Old 01-26-2018, 09:40 AM   #5
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Location: Venice Ca
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Lightstream quick and easy. good rate also.
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Old 07-12-2018, 04:57 AM   #6
Join Date: Jun 2018
Location: NYC
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x2 on Lightstream. Simple, fast, very good rate.
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Old 07-19-2018, 06:08 PM   #7
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Local Credit Union - Easy, but had to get an appraisal for them to get a value on it as KBB and NADA both do not adjust well for the SMB.

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