Credit News

Vehicle Financing: Buy, Lease, Ally Buyer s Choice & More

#used auto loan

Personal Vehicle Financing

Discover Financing That Fits

Ally Balloon Advantage

Buy a Vehicle

Flexible terms for virtually any budget

With a wide selection of financing options and flexible terms, we can help you keep your monthly payments where you want them.

Ally financing gives you all the benefits of Ally Auto Online Services, including:

  • A convenient online account. Check your payment status, view your balance or sign up for online statements.
  • Easy payment options. Enroll in Auto Pay for monthly payment withdrawals from your checking or savings account or to make a one-time payment.
  • On-the-go access. Keep tabs on your account with the Ally Auto Mobile Pay app.

Specialty vehicle financing

Ally’s specialty financing plans cover accessibility needs like wheelchair lifts and right-hand drive capability. Many of our financing options offer flexible terms for qualified buyers of mobility and adaptive equipment vehicles.

RV Financing

#rv loans

RV Financing

If you are looking for a GREAT INTEREST RATE please read all the information on this page then fill out the credit application or call one of our credit professionals 877- 289-1274

A man from Antioch had a 713 score, was self-employed, and could not prove his income. He was able to get a 15 year loan at 6.25% with a payment of $428.70 per month on a 2012 Heartland Bighorn 3670RL.

A man from Antioch had a 713 score, was self-employed, and could not prove his income. He was able to get a 15 year loan at 6.25% with a payment of $428.70 per month on a 2012 Heartland Bighorn 3670RL.

A couple from Livermore had a 690 score. They were able to get a 12 year loan at 7.75% interest with a payment of $267.19 per month on a 2012 Koala 25D.

A man from Sacramento was declined at another dealer. He was able to get a 15 year loan with a 6.25% interest rate and $366.22 payment on a 2012 Forest River Crusader 260RLD.

A couple from Modesto came to us with a 670 credit score. They were able to get a loan at 180 months, 6.25% interest, and payment of $561.56 on a 2008 HURRICANE 32E.

A man from Manteca had a 730 score and only 10% down. He was able to get a 20 year loan, 2.74% interest, and a payment of $335.23 on a 2012 Coachman Freelander 21QBC.

We would like to discuss your individual situation and help get your family RVing with a GREAT INTEREST RATE PAYMENT!

Minimum Qualifications

  • Down Payments greater than tax license
  • No derogatory credit in the last 18 months
  • Any foreclosure must be more than 24 months old
  • Any repossession must be more than 24 months old
  • Some current credit

For over 40 years Manteca Trailer Motor home, LLC has been offering our customers the very best services possible. Our state of the art finance department features the highest level of security possible to protect our customers personal and confidential information. Customers can have peace of mind knowing that their personal information is safe in our secured document areas where only a few approved personnel are allowed access, with state of the art video monitoring systems, heightened internet security for safe and secure online credit applications, and much more.

Our team strives to be the most secure and compliant finance department in the country.

With over 35 years of finance and business experience our team has worked with over 20 lenders such as: Bank of the West, US Bank, Bank of America, Uncle Credit Union, Mocse Credit Union, USAA, Mokelumne Credit Union, Sierra Central, Travis Credit Union, Ally Bank, Merrick Bank. Medallion. Marine 1, Spring Leaf, Golden 1 Credit Union, Financial Center Credit Union, Allied Credit Union, Operating Engineers Credit Union, Valley First Credit Union, Bank of Stockton, and many more to get the lowest rates and best terms possible for our valued customers.

Meet our Financing Department

  • Terry Lee

Business Manager

  • Pete Kontos
    Business Manager
  • Tony Ferolito
    Business Manager
  • Cari Gainous
    DMV / Loan Processor
  • Jen Vijil
    DMV / Loan Processor
  • Marie McGovney

    Office Manager

  • Been looking at RVs for sale in California. but worried that you won’t be able to get RV financing? Just talk to the professionals at Manteca Trailer Motorhome first! We have flexible financing for travel trailer, fifth wheel. pop up camper, or toy hauler of your dreams. Apply for credit today to see if that beautiful motorhome just might be in your reach!

    Manteca Trailer is not a lender but may assist in the approval of the loan. All payments are plus applicable tax and license. All loans are subject to a banks final approval and funding of the loan.

    Protection Exclusively Tailored For Your RV!

    RV Financing in Texas – Finance your next RV at ExploreUSA RV Supercenter

    #rv loans

    RV Financing for New and Used RVs

    Why Finance Your RV?

    When you choose to finance your New RV or Used RV. instead of liquidating assets or paying cash you maintain your financial flexibility. You should also consider these facts:

    • We have many years experience in RV financing and work with dozens of lenders, meaning we’ll work hard to make sure you receive the most desirable financing solution around.
    • We can help keep your down payments lower – Although final terms are determined based on your credit profile and the age, type and cost of the RV being purchased, we will work with you to keep your down payment within your budget parameters.
    • Lower monthly payments – Because our RV finance specialists know the industry, they can create a repayment schedule resulting in the lowest monthly payments possible while helping you afford the RV of your dreams.
    • Call your nearest ExploreUSA RV Supercenter to learn more or Get Directions !

    Do you take trade-ins?

    You bet we do. We trade for almost anything of value. Call us and let’s talk.

    Is my RV payment tax deductible?

    Your RV may qualify for some of the same tax benefits as a second home or 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 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.

    We make financing easy on you!

    One reason lenders are making it easier to buy an RV, is because the profile of those that buy RV’s are that of a responsible borrower. The delinquency rate for RV loans is less than 2%. That’s a very attractive risk rate if you’re a lender. Consequently, what this means for RV enthusiasts is very flexible rates, terms, and payments, and this helps to meet even the most frugal enthusiast’s budget. Loans for RVs range anywhere from 10 – 12 years, and can even extend to 15 – 20 years.

    What Am I Waiting For?

    We can’t answer that one, only you can. so let’s get busy! You can submit an online credit application. Please be advised our online credit application is done thru a secure website so you can rest assured your important personal information is safe and secure. Once your credit application is received, an ExploreUSA finance specialist will go to work right away to find the perfect RV for you and your family, along with the best financing package available!

    Used Car Financing at CarMax

    #used auto loan rates


    Why finance at CarMax?

    We make car financing fast and easy

    Like everything at CarMax, our financing process is designed to be easy, transparent, and stress free. You’ll get:

      Affordable solutions

    CarMax offers some of the most competitive terms in the industry with solutions for a wide range of credit profiles.

  • Fast and Easy Process
    Fill out our quick credit application and your options will be ready in a matter of minutes. One Sales Consultant will guide you through the process, start to finish.
  • Straightforward and honest business practices

    We only use respected and reputable finance sources, and we always protect our customers’ information. Our Sales Consultants make the same no matter which financing you choose, and your finance decisions are separate from any other transactions you may have with us.

  • Integrity is paramount at CarMax, and our financing is no exception. We strive to be different from the traditional car dealer, and you’ll never find any financing games.

    Understanding Vehicle Financing

    #used auto loans

    Related Items

    With prices averaging more than $31,000 for a new vehicle and $17,000 for a used model from a dealership, you might consider financing or leasing your next vehicle.

    Financing Options

    You have two financing options: direct lending or dealership financing.

    Direct Lending

    In direct lending, you get a loan directly from a bank, finance company, or credit union. You agree to pay, over a period of time, the amount financed, plus a finance charge. Once you enter into a contract with a dealership to buy a vehicle, you use the loan from the direct lender to pay for the vehicle.

    Direct lending may offer you:

    • Comparisons. You have the chance to shop around and ask several lenders directly about their credit terms before you agree to buy a specific vehicle.
    • Credit terms in advance. By getting financing before you buy the vehicle, you will know your rate and other terms when you are shopping.

    Dealership Financing

    In dealership financing — another common type of vehicle financing — you get financing through the dealership. You and a dealer enter into a contract where you buy a vehicle and agree to pay, over a period of time, the amount financed plus a finance charge. The dealer may retain the contract, but typically sells it to a bank, finance company or credit union — called an assignee — that services the account and collects your payments.

    Dealership financing may offer you:

    • Convenience. Dealers offer vehicles and financing in one location and may have extended hours, like evenings and weekends.
    • Multiple financing options. The dealer’s relationships with a variety of banks and finance companies may mean it can offer you a range of financing choices.
    • Special programs. Dealers sometimes offer manufacturer-sponsored, low-rate or incentive programs to buyers. The programs may be limited to certain vehicles or may have special requirements, like a larger down payment or shorter contract length (36 or 48 months). These programs might require a strong credit rating; check to see if you qualify.

    Remember: Shop around before you make a decision about buying or leasing. Consider offers from different dealers and several sources of financing, including banks, credit unions, and finance companies. Comparison shopping is the best way to find both the vehicle and the finance or lease terms that best suit your needs.

    Before You Buy or Lease a Vehicle

    Consider Federal and State Laws

    Review the federal and state laws that affect the vehicle financing and leasing process. These laws offer important information that can help you negotiate a better deal or better understand the process. They also give you certain rights.

    Determine How Much You Can Afford

    Before you finance or lease a vehicle, take a look at your financial situation to make sure you have enough income to cover your monthly living expenses. Then, if you want to finance a vehicle, know that the total amount you will pay will depend on several factors, including the price you negotiate for the vehicle, the Annual Percentage Rate (APR), which may be negotiable, and the length of the credit contract.

    Finance or lease a vehicle only when you can afford to take on a new obligation. Check the overall costs for the purchase or lease. Consider the monthly payment in finance or lease negotiations. You may want to use the “Monthly Spending Plan ” worksheet as a guide.

    The only time to consider taking on additional debt is when you are spending less than you take home. The additional debt load should not cut into any amount you have committed to saving for emergencies and other top priorities or life goals. Saving for a down payment or trading in a vehicle can reduce the amount you need to finance and reduce your financing costs. In some cases, your trade-in vehicle will take care of the down payment on your new vehicle.

    If you owe more on your vehicle than its market value, you have negative equity in your vehicle. This is a consideration if you plan to use your vehicle as a trade-in. The longer your new credit contract, the longer it will be before you have positive equity in the new vehicle — that is, before it is worth more than you owe. If you have negative equity, you may need to make a bigger down payment. Or the dealer may offer to include the negative equity in your new finance contract by increasing the amount financed to include the amount you still owe on your current vehicle. This will increase your monthly payments on the new contract in two ways: it adds to the amount financed and increases the finance charge. If you have negative equity in your vehicle, consider paying down the debt before you buy another vehicle. If you use the vehicle for a trade-in, ask how the negative equity affects your new credit obligation.

    Monthly Spending Plan

    Consider all the costs involved, not just the monthly payment, for financing or leasing a vehicle. Knowing your monthly spending and saving commitments and habits will help make your budget more realistic.

    1. Complete Column 1 based on your current situation. Start with your monthly take-home pay. This is how much you have left after taxes and other deductions.

    Subtract the amount you need for all your saving goals and monthly expenses, including monthly credit payments and payments for housing and utilities.

    The remaining balance is the maximum you can afford to put toward the monthly payment for a vehicle and any new related expenses, like vehicle insurance.

  • Complete Column 2 based on your new situation. This column will show your new vehicle payment and the adjustments you have made to accommodate your expenses and credit obligations. Adjust any expenses that might go up or down when you get a vehicle, such as maintenance and insurance expenses.

    The remaining balance in Column 2 will show you whether you can afford the new vehicle payment and the change in expenses.

  • RV Loan Rates, RV Financing

    #rv loans

    New – Used – Refinance

    Essex Credit, a division of Bank of the West, is a trusted national leader in RV Financing. We provide some of the most competitive RV loan rates and are known for our fast and flexible service. Our sales associates are devoted to finding you a competitive RV financing rate so you can take on the open road without worry.

    We specialize in RV refinancing,  private party purchases and Full-Timer financing. If you are looking to call your RV home, then we are committed to finding a financing plan that fits your needs.

    We have financing options available for:

    • Class A, B C Motorhomes
    • Bus Conversions
    • 5th Wheels
    • Travel Trailers Pop-ups
    • Truck Campers
    • Horse Trailers with living quarters.

    Get started financing your RV today. Get a rate quote  in seconds or calculate your monthly payments or loan amount with our RV loan calculator . Apply online and you will be one step closer to the RV you’ve been waiting for.

    RV Loans – Financing

    #rv loan

    RV Loan

    Whether you re traveling across the Lone Star State or across the country you can do it in comfort and style with your own recreational vehicle. If you re thinking about buying an RV let RBFCU help with a recreational vehicle loan that fits your needs and puts you on the road and on top of the world And with RBFCU s online application option applying for an RV loan is quick and easy. Simply click the Apply Now button and RBFCU will take you through the online process from beginning to end. Whether you re a member or just checking around for the best financing our online application process makes it easy to check out the best RV loan rates and get the buying process started.

    Qualified applicants can receive 100 financing and flexible terms on their RV loan and all loans come with friendly member service. Whether you apply online over the phone or at one of our branches RBFCU will get you out on the open road and chasing adventure in no time.

    With so many ways to apply for an RV loan, you can start planning your Route66 adventure today

    RV financing is subject to credit approval. Your specific rate and term will be dependent upon your credit rating and other factors. Rates and terms subject to change without notice. Some restrictions may apply.

    RV Loans – Motorhome Loans – RV Financing from SunTrust

    #rv loan

    SunTrust Motorhome Loan and RV Loan conditions:

    Class A motorhomes, Class B conversion vans and Class C motor homes only no towables

    • Recreational use only
    • 10 years maximum age (currently 2006) for all models
    • No dwellings
    • RV financing throughout the U.S. except in Alaska, Hawaii and Vermont
    • No warranties or sales tax will be financed

    To apply for a SunTrust Motorhome Loan or RV Loan, you will need:

    Ready to get started? We’ll make it easy.

    Contact Us

    Investment and Insurance Products:

      Are Not FDIC or any other Government Agency Insured Are Not Bank Guaranteed May Lose Value

    2015 SunTrust Banks, Inc.

    SunTrust Bank is an Equal Housing Lender. Member FDIC.

    Equal Housing Lender. SunTrust Mortgage, Inc.

    SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

    Services provided by the following affiliates of SunTrust Banks, Inc. Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC; securities, insurance (including annuities), and other investment products and services are provided by SunTrust Investment Services, Inc.; investment advisory products and services are offered by SunTrust Investment Services, Inc.; mortgage products and services are provided by SunTrust Mortgage, Inc.

    SunTrust Mortgage, Inc. – NMLS #2915. 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928 CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, (312) 793-1490, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License – New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender.

    “SunTrust Advisors” may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc. SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc. an SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC. and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services.

    SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Banks, Inc. and SunTrust Investment Services, Inc.

    SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc. member FINRA and SIPC .