CAMPING WORLD OF LINCOLN, NE

DECEPTIVE SALES TACTICS AND TAX CHEATERS ARE ON THE RISE!

I bought a brand new 2024 THOR COLEMAN CMC Class C in February.  My credit score is a 745.

Your entire loan will now stand at 11.99%. The dealership will lower your trade-in to 50% of it's value. Make sure to put aside 7% to pay the sales tax, the title, and your RV plate because if you come across a black accountant who thinks that all RV buyers are filthy rich and could easily have the 15% down payment along with the 7% tax in their savings account. A black accountant will not cover your back so make sure that you are prepared to face the ultimate responsibility of owning an RV motorcoach. Suppose, you were the buyer who could only afford to put the down payment required but was short on your 7% sales tax! The only solution left that I can think of is to borrow from your close friends or immediate family. Do not become the person who had to pay late penalty fees month after month from the DMV just because you were not able to afford to pay your sales tax when it was due.

You cannot rely on the accountant to cover your back for the 7% sales tax. It's your responsibility to lookout for #1.

Not too many accountants will show a great deal of empathy towards your primary legal obligation to your family, RV insurance, or food expenses. Be certain that you have saved up more than enough money to pay all your legal expenses when they will be due. Owning an RV truck is a huge responsibility for a single male and especially for a family who has to face more challenges in the coming months ahead. Best of luck to newly RV motorhomes owners.

A very dumb black accountant who never graduated from a reputable certified accounting firm nor possesses a 2 years Accounting Degree selected the wrong option when he was prompted to pick an RV motorhome or an RV truck camper during his final completion of my loan. This greedy dirt bag obviously picked the most expensive option because he wanted to redefine the rule of law per business ethics.  To the black accountant, all the big numbers stood out a lot more vs. an RV truck camper 8% commission would have given him and his team a much honest turn out than the bait switching one. Needless to say, when in doubt, a rooky accountant must always ask the right question from his superior instead of assuming that his customer will just go along with anything that the black accountant will put out. By using the description "Motorhome", the clever black accountant was able to leverage his commission and for his team up to 25.5% higher as suppose if he were to use the description "RV truck camper instead".

No accountant with only a certificate of accomplishment should be aloud to practice any sales at any Camping World franchise location. I am sure, the mistake was not just a dumb mistake but more of a greedy rip off one for not checking his final result. After all, the accounting software is only doing what any accountant would tell it to do. It's not the software that is faulty,  it has more to do with the human's greed factor for trying to alter the law of ethics as it was been written. The black man should lose all his right to practice his accounting privilege from the state of Nebraska and should make the necessary revision with the Connexus Credit Union bank where he requested the loan for his customer, then resend the new revised loan to the Connexus Credit Union bank so his customer can receive a much lower monthly payment and get his previous original sticker price along with his down payment back to its original starting point.

Dealership loan result: Annual Percentage rate: 11.99%

Finance Charge: $101,889.20

Amount Financed: $87,901.00 (the new manipulated adjusted sticker price)

Total of Payments: $189,790.00

Let me explain to all of you how the black accountant was able to increase his team's commission: An increase in inflation in 2024 led the black accountant to bait switching to a much higher sticker prices on RVs behind the scene at the dealership after the sales agreement. But that wasn't the only trouble it caused. Rising inflation also led to interest rate hikes that inevitably resulted in a higher split commission between the accountant team managers and the sales agent.

In this situation the Camping World accounting team department's commission was much higher.

If you take the new sticker price which is $87,901.00 - $78,995 = $8,906 adjusted commission + $13,500 down payment = $22,406 total accounting's commission. A grand total of 25.5%. The down payment will not be applied towards the loan.

In Real Estate, the Broker will use the down payment to payout his share and his salesman. After he has made all his payroll deductions, the remainder will be applied to the loan as a credit.

In the case of the Camping World, if the $13,500 was to be kept in an escrow account in the event the RV truck needs a new generator or some minor repairs done on the water pump, winter gel, or water leakage. The way the loan has been manipulated, I seriously doubt that the $13,500 would be kept for the RV buyer as a safety net otherwise the accountant would have mentioned this disclosure during the biding loan contract agreement.

I scored an 86% on my Real Estate exam. Typically in Real Estate, the Broker and the Real estate agent would get a grand total of 7 - 8% commission per sale. By using the bait switching method, the accounting department has received a 25.5% commission which is way higher than the state law would allow. In doing so, the clever accountant who was well-trained by a skillful old white male salesman who was overheard from a distance calling his customers crazy for not being able to see thru their ultimate plot. The old white male salesman who taught Trevor everything that he knows felt like a genius because he created a tax loophole for increasing a bait switching sticker price that would enable the franchise owner to evade paying his taxes. Now that your finance charge is way higher, the accountant team will be able to benefit from your first year tax cash back from Uncle Sam as a first time RV motorhome buyer and they will also benefit every year for the remainder of the accrued tax cash backs until the RV motorcoach is paid off. Every innocent buyers will be paying off the Camping World's tax burden. A catch 21 that would give the franchise owner an extra RV credit towards their next purchase every time a buyer was to buy one, he would get another one at the end of the 180 months terms for free!. No money out of pocket.

Your title, plate, down payment and accrued of interest on your loan will be given back to you as a first time Motorhome buyer and for every year thereafter that you shall own your RV as a cash back in accrued interest rate. If you are a smart individual, you shall put this money towards reducing your loan PMI.

Due to the nature of the Camping World lack of business ethics disclosure close from the dishonest black man and his unqualified salesman, Trevor. I would not recommend this location to anyone due to malicious pretense in order to write themselves an extra pay day on top of their 7 - 8% commission without their customers' consent.

Just because all interested RV buyers have to sign a power of attorney does not give the skillful black accountant the power to alter the original listed sales price as he sees fit.

All the lies from poor black men salesman to accountants pick pockets are finally catching up to them.

Local influencers liars, cheaters, and pick pocket for both black males, the accountant and the salesman are:

1. Loves Travel, Schuyler, NE:  A big dumb Hispanic male gas attendant.

   2.  McDonald's, Rock Port, MO: A big silly female at the cash register.

   3.  Hooters, Council Bluffs, IA: A con artist Hispanic bartender.

   4.  McDonald's, Williamsburg, IA: A big dumb Hispanic male & a clever pick pocket female elderly.

   5.  Local incompetent tax cheaters: Avoid Hispanic females & fat female accountants at all cost. The Tax Experts            in the state of California known as The Superior Tax Solutions has acknowledged that many local tax                          accountants will intentionally fix up your Federal Tax return so it will have a minor error, such as to allocate                the victim's fund into a maintenance escrow account for company repairs. In doing so, they were able to                    pocket all my Federal Income Tax returns for the years of 2020, 2021, 2022, and 2023. I never received a                    dime from my Federal Income Tax returns. Since all the dummies local Hispanic liars, cheaters, and thieves              residing in the state of Nebraska have lied their teeth of for the past 4 years. It was so obvious that it was the            Hispanic office crooks who stole all my Federal Income Tax returns because Samantha Tazelaar made sure              that all her taxes preparation were flawless until it was sent out to the IRS. The purpose for those Hispanic

          accountant cheaters to create a tax error was to undermine the credibility of the Tax Experts in order for

          them to win a free lunch every year.

     6.  Tax credit back from the IRS for my RV truck purchase is yet to be seen, I shall keep my audience posted.

           If for some reason the scheme is to happen again! OOPS, they did it again! by Britney Spears, I shall file a

           felony charge against the black accountant. That's way, the black accountant will have a criminal record on

           his file. By law, if anyone steals from someone or a business, the crime will become a felony.

RV Loans & Rates For 2024

An RV, referred to as a recreational vehicle, is a hybrid vehicle between a car and a house. The cost of an RV varies by model and make. For instance, you can buy smaller travel trailers for less money than larger RVs, which can cost anywhere between $60,000-$1 million. In addition to the sticker price, you'll also need to keep money aside for gas, maintenance, and insurance.

If you're planning to buy an RV, you might need an RV loan to finance the deal. But be aware that not all banks provide funding for RVs, and those that do frequently have strict loan limitations with both vehicle and borrower requirements. But you may be able to finance the cost of an RV with the help of RV loans.

Low rates, flexible term spans, and variable loan amounts are features of the finest RV loans. In addition, they cover a wide variety of RV models. As a result, RV loans are available to help customers finance these substantial, unusual purchases as they are more expensive. With such a substantial investment, it's critical to understand how RV loans function and any potential downsides.

For borrowers with excellent credit, the current average RV loan rate ranges from around 4.54 percent to 11.94 percent. However, your interest rate will probably be significantly higher if you have bad credit (FICO score below 580).

Are you looking for the best RV loan rates? Which is the best financing for RV? Keep reading to know about some things before buying an RV loan.

How Does An RV Loan Work?

Even though RV loans are primarily for purchasing or refinancing recreational vehicles, they function similarly to any other consumer loan. A financial institution or lender provides funds for the purchase over a certain period, and you repay the money with interest. In addition, RV loans are secured loans, meaning it typically serves as collateral.

Once you decide on a lender, you will fill out an application and, if authorized, sign an agreement describing the loan's terms. The ideal lender depends on your RV's type and trailer design. Not all lenders will finance all RV models. If you intend to live in your RV full-time, you must inform your lender.

What Are Typical RV Loan Terms?

Lenders frequently provide longer terms for RV loans than auto loans since recreational vehicles are more expensive than standard cars and trucks. Some lenders offer you 20 years. You can get a shorter period if you're ready to pay higher monthly payments

What Is The Current Interest Rate For RV Loans?

Like repayment terms, the annual percentage rate for RV loans differs. The APR for an unsecured RV loan will be around between 6.05%-36.05%. The average unsecured interest rates are the following based on your credit score.

Credit                                   Score                                      Valued APR

Excellent                             720-850                                     10.65%

Good                                   690-719                                     15.75%

Fair                                      630-681                                       9.45% 

Bad                                      300-629                                     25.25%