How is this different from RV consignment?

Consignment dealers only take RVs with equity — they need to profit from the sale commission. Easy Escapes RV charges a flat consulting fee regardless of your equity position, which means we can take cases consignment dealers reject: underwater loans, estate sales, divorce settlements, and complex title situations. No commission. No inventory to move.

What does the market appraisal include?

A professional market appraisal based on current RV market conditions, your unit's year, make, model, and condition, comparable recent sales, and 25 years of Florida RV market experience. You receive a written report with a recommended listing price, pricing rationale, and a market positioning strategy. If you decide not to move forward within 7 days, the fee is fully refunded and you keep the report.

Can you help if I owe more than my RV is worth?

Yes. Underwater RV situations require lender coordination, realistic pricing strategy, and sometimes negotiating a deficiency balance. Easy Escapes RV has navigated dozens of underwater loan situations and knows the process in Florida specifically.

How long does it typically take to sell?

Every situation is different. The Serious Buyer Deposit System eliminates tire-kickers significantly. Clients with well-priced listings in active market conditions often see results in 2 to 6 weeks. Complex situations like estate sales or underwater loans may take longer.

Do you work with estate sales and out-of-state executors?

Yes. The Premium Package is specifically designed for out-of-state executors who need everything handled locally without being present. Frank coordinates inspections, showings, negotiations, lender payoffs, and closing documentation.

What areas of Florida do you serve?

The primary market is the Tampa–Orlando–Sarasota corridor, with operations since 2015. Consulting services are available to Florida sellers statewide. Hands-on services under the Premium Package are focused on Central Florida and the Gulf Coast region.

I tried selling privately and it didn't work. Can you still help?

Almost always, yes. Failed private sales usually come down to pricing that doesn't reflect market conditions, weak listing copy, or no system to filter unserious buyers. The appraisal identifies which of these is the issue and the strategy session provides a clear path forward.

How is this different from RV consignment?

Consignment dealers only take RVs with equity — they need to profit from the sale commission. Easy Escapes RV charges a flat consulting fee regardless of your equity position, which means we can take cases consignment dealers reject: underwater loans, estate sales, divorce settlements, and complex title situations. No commission. No inventory to move. The only job is to get your situation resolved.

What does the market appraisal include?

A professional market appraisal based on current RV market conditions, your unit's year, make, model, and condition, comparable recent sales, and 25 years of Florida RV market experience. You receive a written report with a recommended listing price, pricing rationale, and a market positioning strategy. If you decide not to move forward within 7 days, the fee is fully refunded and you keep the report.

Can you help if I owe more than my RV is worth?

Yes — this is one of our specialties. Underwater RV situations require lender coordination, realistic pricing strategy, and sometimes negotiating a deficiency balance. Easy Escapes RV has navigated dozens of underwater loan situations and knows the process in Florida specifically.

How long does it typically take to sell?

Every situation is different. The Serious Buyer Deposit System eliminates tire-kickers and reduces wasted weekends significantly. Clients with well-priced listings in active market conditions often see results in 2 to 6 weeks. Complex situations like estate sales or underwater loans may take longer based on legal and lender timelines.

Do you work with estate sales and out-of-state executors?

Yes — and this is one of the most common situations handled. The Premium Package is specifically designed for out-of-state executors who need everything handled locally without being present. Frank coordinates inspections, showings, negotiations, lender payoffs, and closing documentation on your behalf.

What areas of Florida do you serve?

The primary market is the Tampa–Orlando–Sarasota corridor, with operations since 2015. Consulting services are available to Florida sellers statewide. Hands-on services under the Premium Package are focused on Central Florida and the Gulf Coast region.

I tried selling privately and it didn't work. Can you still help?

Almost always, yes. Failed private sales usually come down to pricing that doesn't reflect market conditions, weak listing copy, or no system to filter unserious buyers. The appraisal identifies quickly which of these is the issue and the strategy session provides a clear path forward.

Former Licensed Florida RV Dealer · Buyer Warning

RV Dealer Add Ons Florida: 7 to Refuse Before You Sign

I sat on the dealer side for 25 years. This is the menu the finance office slides across the desk — and exactly what to say no to.

25 Years in the RV Industry · 9 Years a Licensed FL Dealer · No Commissions

Quick Answer: What add ons should I refuse when buying an RV?Refuse fabric protection, exterior coating, tire and wheel protection, dealer GAP, the "pro" delivery package, and any extended warranty you haven't read in full — and never let the finance office stretch your loan term to make it all fit. These are high-margin finance office products, and rolling them into a 15- or 20-year loan is how buyers end up upside down.

Learn the Finance Office Before You Walk In →

You negotiated hard. You got the price down. You shook hands on the RV.

Then they walk you back to a small office, and a different person — friendly, unhurried — opens a laminated menu.

Here's what nobody tells you.

That office is where the dealership makes its real money. In competitive markets, the finance department can make as much as the entire sales floor — or more. And every product on that menu gets rolled into your loan, where it quietly earns interest for the next 15 or 20 years.

I was a licensed Florida RV dealer for 9 years, and I worked for dealers for 15 years before that. I'm not guessing about this. Below are the 7 add-ons sold in the finance office that I'd tell my own family to refuse — what they say to sell each one, what's actually going on, and the exact words to use.

The 7 Finance Office Add-Ons to Refuse

Every one of these is sold in the finance office, after you've already agreed on a price and your guard is down. That timing is not an accident.

Add-On #1Fabric & Interior ProtectionWhat they say"One application protects your cushions, carpet and upholstery for as long as you own it. Spills wipe right off."What's really happeningThis is one of the highest-margin products in the building. Buyers routinely pay $3,000 to $7,000 for it, and it's pitched like a magic bullet. What you're really buying is a fabric treatment you could do yourself for a tiny fraction of the price — financed at your loan rate for years.What to say"No thank you. Please remove the fabric protection and show me the new total."

Add-On #2Exterior Coating / Paint SealantWhat they say"Florida sun destroys fiberglass and gelcoat. This coating keeps it looking new and cuts your washing time in half."What's really happeningThe Florida sun part is true. The price isn't. A professional detail or a quality sealant you apply yourself does the same job for far less — and you won't be paying interest on it a decade from now.What to say"I'll handle the exterior myself. Take the coating off the contract."

Add-On #3Extended Warranty at SigningWhat they say"RV repairs are expensive. This covers you bumper to bumper after the factory warranty ends."What's really happeningThe fine print is where these live or die. Claims get denied over maintenance records you didn't keep in the exact format required, or over exclusions buried pages deep. I watched a slide-out claim get denied that way. And it's usually priced highest right here, in the finance office, while you're tired and ready to leave.What to say"I want a copy of the full contract to read at home. I'm not deciding on a warranty today."

Before you trust any extended warranty, read what the Consumer Financial Protection Bureau says about add-on products — the same tactics apply in RV finance offices.

Add-On #4Tire & Wheel ProtectionWhat they say"One blowout or curb strike on an RV tire costs a fortune. This covers road hazards for the whole term."What's really happeningIt's sold in the finance office, rolled into the loan, and it rarely pays back what it costs over the life of the contract. A good roadside assistance plan and a set of quality tires do more for you, and neither one earns interest for 15 years.What to say"I'll cover tires with my own roadside plan. Please remove it."

Add-On #5GAP Insurance from the DealerWhat they say"If the RV is totaled, your insurance only pays what it's worth. GAP covers the rest of the loan."What's really happeningGAP can genuinely matter when you finance with little down — RVs depreciate fast. The problem is buying it from the dealer, rolled into the loan. Your own insurer or credit union may offer it for less, so shop it before you sign.What to say"I'll get GAP quoted through my insurance company first."

Not sure how GAP works? The CFPB's plain-English GAP explainer is worth two minutes before you sign.

Add-On #6The "Pro" / Delivery PackageWhat they say"This gets you road-ready on day one — hitch, sway bar, hoses, starter kit, everything you need."What's really happeningYou do need some of this gear. But a bundle priced in the finance office and buried in the loan is a different deal from buying the same items at retail. Ask for the itemized list and price each piece yourself.What to say"Please itemize the package. I'll decide on each item separately — or buy them myself."

Add-On #7The Longer Loan TermWhat they say"We can get your payment down to something comfortable. We just stretch the term a little."What's really happeningThis is the one that makes all the others possible. Stretch a loan to 180 or 240 months and every add-on "only costs a few dollars a month." I've seen a 180-month term add roughly $25,000 in finance charges on its own. Stack add-ons on top, and you owe more than the RV is worth for years.What to say"I'm here for the out-the-door price and the rate. Don't change my term."

What "Only a Few Dollars a Month" Really Costs

Here's the math the finance office won't put on the menu. This is an illustration, not a quote — your rate and term will differ — but the shape of it never changes:

The Add-On Math

Example: $12,000 in add-ons

Rolled into the loan

Loan term

180 months

Example rate

8% APR

Added to your payment

≈ $115 / month

Interest on the add-ons alone

≈ $8,640

What those add-ons really cost

≈ $20,640

That's how buyers end up owing more than the RV is worth — and why I spent years watching them show up at my consignment lot 2 to 5 years later with no way out. If that's already you, read what to do with an upside-down RV loan. And before you trade anything in, check its real value on J.D. Power RV Values.

How to Walk Out with a Clean Contract

1. Get the out-the-door price in writing before you enter the finance office.2. Bring your own financing pre-approval so the term and rate aren't negotiable.3. Say no once, politely, and ask for the revised total — every time.4. Compare the final contract line by line against the price you agreed to.5. Never sign anything you haven't read. Take it home if you need to.

Want the full picture of how this room works? Read my inside look at RV dealer finance office tactics, and don't take delivery until you've seen what dealers actually do at pre-delivery inspection.

Live Workshop · For RV Buyers

Walk into the finance office knowing what I know.

I spent 9 years as a licensed Florida RV dealer. In 90 minutes I'll show you the add-ons, loan terms, and warranty fine print that cost buyers thousands — before you sign anything.

See the Workshop →

Frank's TakeI've watched management high-five after a finance manager buried a customer in add-ons.Not once. Many times. To them it was a great day — a big back-end deal on the board.I saw the other end of that deal too. Years later, those same buyers pulled into my consignment lot wanting to sell. They owed far more than the RV was worth, the add-ons were long forgotten, and there was no clean way out.That's why I work for buyers and sellers now — never dealers. If you remember one thing from this page: the deal isn't done when you agree on a price. It's done when you walk out of the finance office.

About the Author

Frank Mason

Former Licensed Florida RV Dealer · Founder, Easy Escapes RV

Frank spent 25 years in the RV industry — 15 working for dealers and 9 as a licensed Florida RV dealer (2015–2024). Today he works only for RV buyers and sellers, never dealers, with no commissions, and teaches buyers how the finance office really works before they sign.

RV Dealer Add-Ons: Frequently Asked Questions

What add ons should I refuse when buying an RV?Refuse fabric protection, exterior coating, tire and wheel protection, dealer GAP, the "pro" delivery package, and any extended warranty you haven't read in full — and never let the finance office stretch your loan term to make it all fit. These are high-margin finance office products, and rolling them into a 15- or 20-year loan is how buyers end up upside down.

Is RV fabric protection worth it?Usually not at finance office prices. Buyers commonly pay $3,000 to $7,000 for a fabric treatment, then pay interest on it for the life of the loan. A quality fabric protector applied yourself costs a small fraction of that.

Is an RV exterior protection package worth it?The Florida sun is hard on fiberglass, so exterior care matters — but a dealer coating rolled into a long loan is the most expensive way to get it. A professional detail or a sealant you apply yourself does the job for far less.

Should I buy an extended warranty when I buy my RV?Don't decide in the finance office. Ask for the full contract, read the exclusions and maintenance requirements at home, and confirm in writing whether it can be purchased later. Claims are often denied over fine print buyers never read.

Should I buy GAP insurance from the RV dealer?GAP can matter if you finance with little money down, because RVs depreciate quickly. But get a quote from your own insurance company or credit union first — buying it from the dealer and rolling it into the loan is often the more expensive route.

Can I remove add-ons after I sign?Some add-on contracts, like many service contracts and GAP products, have cancellation provisions with partial refunds. Check the cancellation section of each contract. It's far easier to refuse them before you sign than to unwind them later.

Before You Sign

Inside the RV Finance Office

A live 90-minute workshop from a former licensed Florida RV dealer. You'll learn exactly where the money is made after you agree on a price — and how to keep it in your pocket.

✓ The add-ons that get rolled into your loan — and what they really cost ✓ Why a 180-month term can add tens of thousands in finance charges ✓ The extended warranty fine print that gets claims denied ✓ How trade-in numbers get shuffled to hide the real deal

Reserve Your Seat — $97 →

I work for buyers and sellers — never dealers. No commissions.

Disclosure & Disclaimer

Not legal, financial, or tax advice. The content on this page is provided for educational and informational purposes only. It does not constitute legal, financial, tax, or professional advice of any kind. Every RV selling situation is unique. Consult a qualified attorney, CPA, or licensed financial advisor before making decisions based on your specific situation — particularly for matters involving loan deficiency, short sales, repossession, estate transactions, or tax consequences of forgiven debt.

About the author. Frank Mason is a 25-year Florida RV industry professional and former licensed Florida RV consignment dealer (2015–2024). He is not a licensed attorney, CPA, or financial advisor. His guidance reflects professional experience, not licensed professional advice.

Market conditions. RV market values, interest rates, lender policies, and Florida statutes change regularly. Information on this page reflects conditions as of publication date. Verify current figures with appropriate sources before acting.

Affiliate disclosure. Easy Escapes RV may receive compensation from third-party services referenced on this page. This does not influence our recommendations. We only reference services we believe provide genuine value to Florida RV sellers.