PRC RV Financing- Tucson, AZ Exposed: Hidden Add-Ons, High APRs, Delayed Titles – Buyer Beware

(Serious Concern)

Before you sign anything, arrange a truly independent, pre-purchase RV inspection by a certified mobile RV inspector. This is the only leverage you have before the dealership has your money. If you take possession and discover problems later, you may be pushed to the back of the service line for weeks or months—cancelling camping trips and exposing you to secondary damage while the RV sits. Book someone who works exclusively for you (not the seller) and include a static and dynamic systems check, roof and sealant inspection, slide operation, propane and electrical safety checks, and a full report with photos and moisture readings. Get bids here: Search: RV Inspectors near me.

If PRC RV Financing or any dealership will not allow a third-party professional inspection before you sign or take delivery, consider that a major red flag and walk away.

(Serious Concern)

Consumer reports around financing-driven RV sellers often involve high APRs, unclear disclosures of add-on products, and payment amounts that differ from verbal estimates. Ensure you receive an itemized, out-the-door quote in writing and verify every line on the retail installment contract (including any GAP, service contracts, or after-market packages).

• What to watch for: APR markedly higher than your pre-approval, add-ons bundled into the payment “to get you approved,” or pressure to sign before seeing the full lender approval conditions.
• Cross-check: Bring your own credit union pre-approval. If the dealership beats it, have them match the same term and document the rate in writing before you sign.

For context on this location, read through the lowest-rated reviews here: PRC RV Financing — Tucson, AZ.

(Moderate Concern)

Many RV dealers profit significantly from after-market products. Extended service contracts (often called “warranties,” though they are usually service contracts), GAP coverage, interior/exterior protection packages, GPS/anti-theft devices, and nitrogen tire fills are commonly added to deals. Some buyers only discover these charges later because they were bundled into financing.

• Ask for the base cash price of the RV with zero add-ons, then add only items you value.
• Require a line-item breakdown and decline anything you don’t need. Many add-ons can be purchased later at lower cost.
• Compare multiple service contract administrators and read claim exclusions. Many RV systems (like seals or wear items) are excluded.

Want more context on dealership add-ons? Check independent breakdowns and buyer strategies on Liz Amazing’s channel.

(Serious Concern)

Delayed titles and registration transfers are among the most disruptive post-sale issues. Consumers report waiting weeks or months for plates or titles, which can prevent travel plans and complicate financing or insurance. For consignment or trade-in deals, mismanaged lien payoffs can add further delays.

• Protect yourself: Get the title status in writing, the timeline for transfer, and who is responsible for each step. Confirm whether the unit has any open liens.
• Arizona context: The Arizona Department of Transportation’s Motor Vehicle Division (MVD) governs title and registration. If a dealer fails to process promptly, complaints can be filed with the state and the Arizona Attorney General.

(Serious Concern)

Some reviews at financing-focused RV businesses describe unexpectedly low trade valuations and quick-pitch “rollover” financing that hides negative equity in a new loan. This can leave buyers underwater from day one.

• Obtain multiple trade-in offers (including instant cash offers) before visiting the dealership.
• Ask for a written trade appraisal showing how the number was derived (book value, recon, auction data).
• Never agree to any deal until the total out-the-door price and trade payoff are clear and in writing.

(Serious Concern)

Common complaints in the RV space include units that do not match online listings (missing options or different condition), undisclosed “reconditioning” or prep fees, and promotional prices that require dealer financing or add-ons. When shopping in Tucson, save the original listing (PDF and screenshots) before you visit. Compare the in-person unit’s VIN and options to what was advertised.

• No surprises: Ask for a contract that reflects your final, out-the-door price with no conditional add-ons.
• If the unit’s condition differs from the listing, insist on a written “We Owe” with completion dates, or negotiate the price down to reflect reality.

(Serious Concern)

Buyers frequently report discovering leaks, non-functional appliances, slide issues, soft floors, and electrical faults shortly after purchase. A dealer’s PDI can be minimal, and repairs after closing often face long queues.

• Hire your own inspector before you sign: Find independent RV inspectors.
• Demand a live walkthrough with water on, propane on, generator under load, HVAC hot/cold, and slides cycled repeatedly.
• Refuse delivery until defects are corrected and verified by you.

(Serious Concern)

Multiple low-star reviews for RV dealers—this Tucson location included—cite non-responsiveness after closing, difficulty reaching the right staffer, and delays on promised “we owe” punch lists. If you must leave the unit for repairs, get loaner commitments in writing (many dealers do not offer them), and obtain target dates and escalation contacts.

• Use email or messaging to keep a written record.
• Request the service manager’s direct line and authorization to approve diagnostics promptly.

(Moderate Concern)

Some financing-centric businesses operate with limited on-site service capability, contracting out repairs or scheduling infrequently. This can stretch timelines, especially during peak seasons in Arizona. If service is a priority for you, ask to meet the service manager before you buy and verify technician certifications, scheduling backlogs, and parts supply timelines.

(Serious Concern)

Truth in Lending Act (TILA) and Regulation Z: Dealers must clearly disclose APR, finance charges, amount financed, and payment terms. Any undisclosed add-ons that affect your payment or APR may pose compliance concerns. Reference: CFPB overview of TILA.

(Moderate Concern)

Federal Trade Commission (FTC) Act: Deceptive or unfair acts in advertising, add-ons, and disclosures can trigger FTC enforcement. The FTC has published guidance addressing dealer “junk fees” and misrepresentations. Reference: FTC official site and search for “auto dealer junk fees” and “add-ons.”

(Moderate Concern)

Magnuson–Moss Warranty Act: If a written warranty or service contract is sold, its terms and limitations must be clear. Any promise of “bumper-to-bumper” coverage that doesn’t reflect actual exclusions can be misleading. Reference: FTC guide to the Federal Warranty Law.

(Serious Concern)

Arizona-specific consumer protection and title laws: Delays or errors in title transfer and registration can be actionable. For assistance and complaints, start with the Arizona Attorney General’s Office: Arizona AG — Consumer Protection. For title/registration questions, consult ADOT MVD: ADOT Motor Vehicle Division.

(Moderate Concern)

NHTSA safety recalls: Dealers must not deliver new vehicles with open recalls, and used units with unresolved recalls should be disclosed and remedied. Check your exact VIN for active recalls: NHTSA Recall Lookup.

(Serious Concern)

LP gas leaks, electrical faults, and brake issues are among the most hazardous defects reported by RV buyers across the industry. If a dealership’s PDI misses these, families can face fire risk, carbon monoxide exposure, or loss of braking on grades. Always require leak-down tests, CO detector checks, and verify that the breakaway cable and brake controller operate correctly. Safety defects should be treated as no-delivery conditions until fixed.

(Moderate Concern)

Water intrusion and roof integrity can rapidly degrade an RV’s structure, mold insulation, and delaminate walls. Even small roof or window seal issues can lead to thousands in repairs if left unaddressed. Request moisture meter readings and thermal images from your inspector and check again after the first heavy rain.

(Moderate Concern)

Appliance and slide failures can immobilize a unit, wreck travel plans, and incur storage or campsite cancellation fees. Pre-delivery functional testing on power, propane, water systems, and slide mechanisms (under load) is crucial. If problems surface after delivery, ask whether the dealership will reimburse site cancellation or storage costs—get commitments in writing.

(Serious Concern)

Document everything in writing. Keep copies of the original online listing, every email, text, and signed page. If you were promised items verbally (service after the sale, parts on order, add-on removal), send a confirming email immediately and ask for written acknowledgment. This record is critical if you need to escalate.

(Moderate Concern)

File formal complaints where appropriate:

• Better Business Bureau (BBB) complaint to create a public record and invite a response.
• Arizona Attorney General — Consumer Complaint, especially for deceptive practices or unresolved title/paperwork issues.
• Federal Trade Commission for unfair/deceptive practices and add-on concerns; for lender-related disputes, see the CFPB.
• Report a vehicle safety problem to NHTSA for defects that compromise safety.