Sorry for the deleted post...I think I figured out what the BLUF question actually is. 
I'm planning a large purchase that will be somewhere between $25-50K within the next year. It's a horse trailer with living quarters, so will qualify as an RV for financing purposes. Can consider new or used, it will depend on how the trailer is equipped: if new it will be ordered to my exact specs, if used I will likely need to add a few things to it.
What's the best option for financing this: a personal loan, an RV loan, or a personal line of credit? Note that a used living quarters horse trailer often doesn't have an actual NADA blue book value. I'd like to be able to move on it in a hurry if the right one comes along. Can finance through USAA for a personal loan or RV loan and be approved and funded within a matter of hours, but one dealership I'm looking at is about a 600-mile drive, so if going there I'd rather have financing already in place (hence considering LOC rather than a loan, but my bank doesn't do LOC other than HELOC, which I don't want to do).
Thanks for any suggestions.
Planted the garden: 11/1/2018
Need some details. Scores and any baddies. I take it your renting. Income. Just some basics for the gang to look over. I do Fire inspections. If they ask me will it burn down one day? I dont know. But you passed inspection..
Hello, and thanks for any insight.
Monthly income $5200 after taxes. I'm not renting, have a mortgage which is paid biweekly and a month ahead.
Current scores 791-782-787. No baddies....had a 30-day late about 3 years ago on the mortgage due to a screw-up with autopay.
@Just1Starfish wrote:Hello, and thanks for any insight.
Monthly income $5200 after taxes. I'm not renting, have a mortgage which is paid biweekly and a month ahead.
Current scores 791-782-787. No baddies....had a 30-day late about 3 years ago on the mortgage due to a screw-up with autopay.
I don't understand why you don't just go ahead with getting an approval for an RV loan from USAA or a credit union. Your interest rate on a secured loan will be lower than it would be on a PLOC; it's easier to get a secured loan than a PLOC; and any PLOC you can get will wind up overutilized as soon as you buy the trailer.
Those comments all make sense....and that's the kind of info I was looking for. Thank you!
There ya go. Thanks for providing details. Helps a whole bunch. Lets us know what you get and with who. Good luck!