First, how much do you want to spend?
Truck Camper Loans
With the cost of truck campers starting at roughly $10,000 for a small model, it is easy to see why people turn to financing. But what happens if you have bad credit? Is financing out of the question? No, there still may be a way to finance the truck camper of your dreams and here is how it works.
First, you need to fill out the short quote form located at the top of this page. Enter some basic information about yourself, your bank and how much you want to spend on your camper. Once you complete the form, agree to the TOS or Terms of Service and submit it to the loan network.
If you are approved for a loan offer, one of the lenders from the group will make you an offer on a loan that you can use to buy your camping gear. You will then be redirected to their website where you can make a decision on the offer. Decide to accept it and you can have money in your account as soon as the next day. You can then buy your camper from any dealer that you choose, just like a cash buyer.
Making Your Purchase
If you decide to accept a loan for a truck camper, your lender will put money directly into your bank account ASAP. Once they do, you can begin shopping for your camping gear as a cash buyer. Shop any dealer that you like, just remember to go slow and do your research.
Choosing Features
With size being mainly dictated by your vehicle, your real choice is going to be what features and specs you want. This is an expensive purchase, so spending a few extra thousand dollars to get the features that you want will likely be worth it.
When making your choice, make sure that you consider both your current and future situations. A truck camper can last close to two decades, so you want to make sure that your camper will grow with you, your life and your family. Do you need a restroom, do you need a kitchen or will you go basic in design.
Truck campers can be as simple s a bed under an aluminum camper top or sophisticated enough to be a one room apartment for the road. It all depends on what you want and how much you are willing to spend.
Buying New Or Used
Since this is essentially a cash loan, you are free to shop the used market if you like. That can mean savings of thousands of dollars if you choose wisely. Use the extra money to finance a kayak or other camping gear that you have been eyeing.
If you choose the used market, just be sure to test out all of the camper features and make sure that it fits your particular vehicle well enough to be safe and functional.
Weight Capacity
A 3/4 ton truck and a 1/2 ton truck can both fit the same sized camper when fitted with an identical size bed. The difference between those two trucks though is the carrying capacity. A 1/2 ton truck may be maxed out with the camper weight while the 3/4 ton will have excess capacity.
Make sure that you calculate not only the weight of your camper but also the weight of all the gear that you will need to carry. Staying under the cargo capacity of your truck is crucial if you want to run your camper for years safely and without excess wear on the truck components.
