“At a buy here pay here you'll get 1/3 of the quality at 3x the price and you'll be aware of it constantly.” Reddit · r/RVLiving · 1 year ago
Buyers often share mixed experiences, highlighting the relief of getting approved alongside the sting of high interest.
BHPH is a . It is an effective way to obtain a travel trailer if you have been denied elsewhere, but the total cost of ownership will be significantly higher due to interest. Before signing, ensure the dealer reports to credit bureaus like Equifax so your on-time payments actually help rebuild your credit for future refinancing. Do you have a specific budget or credit range in mind, or Buy Here Pay Here Travel Trailer RV Reviews on RV Insider buy here pay here travel trailers
Reviewing "Buy Here Pay Here" (BHPH) travel trailers requires looking at the balance between immediate accessibility and long-term financial costs. BHPH dealerships, such as RV Depot and Topline RV & Marine , act as both the seller and the lender, bypassing traditional banks to offer in-house financing.
: The primary draw is the near-guaranteed approval for those with poor or no credit history. Dealerships like Glockner Family of Dealerships aim for 100% approval by focusing on current income and stability rather than past credit mistakes. “At a buy here pay here you'll get
Since BHPH inventory is primarily used, you are likely to find brands known for value or durability.
: Selection is often limited to used or older models, though some large-scale dealers like RV Depot maintain a massive inventory of over 400 units. Manufacturer Quality in BHPH Lots Before signing, ensure the dealer reports to credit
: While convenient, this model typically involves higher interest rates, which can reach 20% to 29% . You may also face more frequent payment schedules (weekly or bi-weekly) and a higher risk of rapid repossession if a single payment is missed.