Whether you’re cruising Keystone Lake on a boat, exploring Oklahoma’s trails with an ATV, or getting ready for a big road trip with a new RV, having the right vehicle opens up new paths for adventure.
But here’s a secret only seasoned buyers know: the best time to buy your vehicle is not during peak season.
Off-season shopping for RVs, ATVs, and boats can unlock incredible savings, dealer incentives, and negotiating power. Pair those deals with flexible auto loans from Oklahoma Central Credit Union, and you’ll be ready to make the most out of your new adventure.
Let’s explore why timing matters, how to prepare with financing that fits your budget, and how our Brookside branch can help you secure the right loan.
Jumping behind the wheel (or handlebars) of a new recreational vehicle doesn’t usually happen as soon as the mood strikes. More often, it takes careful planning and weeks or months of financial prep to start the buying process.
Considering the best time of year to buy your vehicle is an important part of that planning phase. Here’s why:
See what we mean? You’re in a great position if you buy your vehicle during a sales slump when dealerships are more willing to cut a deal.
Locking in the best rate for a vehicle loan often means taking the following steps before applying:
Unsure of what steps you need to take or how to get pre-approved? Fill out an application online or visit us to find out more.
Large national banks may offer financing, but credit unions are often the smarter choice for recreational vehicle loans. At Oklahoma Central, we’re member-focused, not profit-driven. That means lower rates, fewer fees, and personalized service you won’t find at a big bank.
Also, our Brookside branch understands the needs of local members who use boats, RVs, and ATVs across Oklahoma. Whether you’re financing a family camper or an off-road toy, we’ll match you with the right loan terms to keep your adventures affordable.
We offer flexible loan options for every type of borrower. Whether you’re focused on competitive rates, shorter loan terms, or flexible repayment options, we have something that fits your financial outlook.
Dealerships often offer incentives for off-season purchasing, targeting specific types of buyers to sweeten the pot:
Salespeople often want to move out older inventory before the next model year arrives. This is especially true for boats and RVs, where storage costs can cut into dealer profits during winter months.
Many dealerships throw in extras like trailer packages, upgraded seating, or maintenance plans during off-season sales. If you like your vehicle to come with all the bells and whistles, off-season is the best time to buy. Plus, inventory for these accessories is often higher in winter months due to reduced demand.
Manufacturers sometimes offer rebates to stimulate sales during slower months. Combined with financing from Oklahoma Central Credit Union, these rebates can reduce your up-front costs even further.
Be careful– dealers may advertise 0% financing or other special promotions, but these offers often come with fine print. With a pre-approved loan from Oklahoma Central, you can compare offers and choose the one that saves you the most money.
Tulsa adventurers don’t have to wait until spring to upgrade their RV, ATV, or boat. As a matter of fact, they shouldn’t! By shopping smart during the off-season and pairing those deals with affordable financing, you’ll maximize savings and minimize stress.
From pre-approval to closing, the Brookside Oklahoma Central Credit Union branch makes it easy. We’ll answer any questions you have, guiding you through the process to get you the best loan possible.
Contact us today to see if you qualify for a recreational vehicle loan!