Finance Disclosure

Last updated October 8, 2026

Lending terms, how we're compensated, and the fine print behind the payment calculator.

We are a dealer, not a lender

Tony Used Campers, LLC (“Tony Used Campers”, “we”, “us”) of 4120 Michigan Ave, Detroit, MI 48208 is a dealer arranging financing with third-party lenders. We are not a bank and do not make credit decisions. Approval, rate and terms are determined solely by the lender.

Sample terms

Payment calculator figures use illustrative annual percentage rates between 7.49% and 8.99% over terms of 60 to 120 months, with your selected down payment, and assume a first payment due 30 days after signing. These are examples — not commitments.

Your actual APR depends on creditworthiness, loan amount, unit age and term. Longer terms increase total interest paid. Late fees, prepayment and default terms are set out in your lender's contract.

Down payment

Most approvals require 10–20% down. Trade equity may be applied toward the down payment. Down payment amounts shown are estimates until the lender confirms the approved structure.

How we may be compensated

We may receive a flat origination fee or a small reserve from the lender when a loan is funded. We may also offer lender-rate buydowns that change your APR. Any compensation arrangement affecting your rate will be disclosed to you before you sign.

You are never required to finance through our lenders — cash, Zelle, cashier's check and bank transfer are all available with no fee difference.

Soft vs. hard credit inquiry

Submitting the financing enquiry form on this website triggers no credit inquiry. A hard inquiry occurs only when you formally complete a lender application, and we'll tell you before that happens.

Required disclosures

  • Truth in Lending (Regulation Z) disclosures are provided by your lender at signing
  • APR and total cost of credit will be shown before you commit
  • You have the right to receive a copy of the credit application and decision
  • Equal Housing Lender — credit is extended without regard to race, religion, national origin, sex, familial status or other protected class

Contact

Financing questions: sales@tonyusedcampers.com or (313) 364-9615.

Tony Used Campers, LLC (“Tony Used Campers”, “we”, “us”) of 4120 Michigan Ave, Detroit, MI 48208