Is a Fifth Wheel Trailer Right for You?

When it comes to deciding if a fifth wheel trailer is right for you, consider lifestyle just as carefully as trailer style.

For RVers who like to ramble by day in a sturdy, steady vehicle and settle down at night in spacious comfort, a fifth wheel may just be the right fit for you. Fifth wheels are an enticing mix of comfort and practicality, size and stability and the right choice for many RVers.

Start with the journey steady journey. If you crave the comfort and security of traveling in a heavy-duty long-bed truck and have concerns about sway and handling with bumper-tow travel trailer, consider a fifth wheel.

If negotiating tight curves and backing into snug campsites is in your travel plans, the tighter turning radius of a fifth wheel may make it the right choice for you.

Unlike a bumper-towed trailer, the fifth wheel’s weight rests between the rear axle of the truck and the cab, spreading the load and creating additional stability in towing. Because of the fifth wheel’s construction, with the front portion of the trailer over the bed of the truck, the ultimate tow length is shorter than the same length bumper-towed trailer. The hitch position in the bed of the truck also allows for turns of up to 90 degrees.

A fifth wheel provides the size and luxury of many motorized RVs, without the necessity of towing an additional vehicle to use once you reach your destination. While most fifth wheels require a beefy long bed truck for towing, that same truck is your ticket to freedom once you unhitch and settle down in your campsite. Ready to explore? Leave your fifth wheel behind and head out for daily adventure in your truck.

Consider your physical needs and abilities as you decide if a fifth wheel is the right choice for you. Both bumper-towed and motorized RVs offer living on a single level. Fifth wheels feature sleeping quarters above the truck bed, which means climbing a few stairs.

While the unhitching and set up of a fifth wheel is easy to master, it won’t match the park and plug simplicity of a motorized RV. Your fifth wheel will require simple, light physical activity to unhitch, level and set up. Before you decide if a fifth wheel is right for you, determine if you’re able to safely complete these tasks. Great family dealers like Crossroads Trailer Sales will make sure the RV you choose is right for you and will instruct new owners on safe set up and operation methods.

The fifth wheel design that makes for lofted sleeping quarters also adds more headroom in the main living quarters than you will find in a standard travel trailer. If you’re tall or don’t rest easy in more confined spaces, you’ll relish the added headroom of a fifth wheel.

With lengths ranging from 20 feet to more than 40 feet, a fifth wheel is the right choice for weekend jaunts or long stays. Its ease of towing and set up makes it right for short vacations. Its layout and amenities make it ideal for year ‘rounders.

A fifth wheel is a good choice if you plan to entertain guests for just one evening or for an extended stay. Your sleeping quarters are tucked away above the truck’s bed, creating an open entertaining and living space for you and your guests. When the night’s entertaining is done, you and your guests can enjoy a rest in privacy as you retreat to your private hideaway and they settle down in their sleep area. Let the experienced professionals at Crossroads Trailer Sales show you the many options for accommodating large families and guests in a fifth wheel.

Whether you’re stowing a year’s worth of supplies, or sporting goods for a family weekend, a fifth wheel’s bountiful storage makes it a good choice. Beyond the interior cabinetry, additional storage is tucked under the bathroom that can be accessed from inside or outside the trailer.

Whether an RV is your second home or a weekend escape, a fifth wheel with its ease of towing, roominess and flexibility may be your best choice.

Financing Your RV

Owning your own RV is something that many people strive to achieve during their lifetime. Unlike a permanent and stationary home, owning an RV allows for you to hit the open road and see places of the country that others will only ever dream of. For some, the idea of a life in retirement that includes a traveling partner, the open road, and an RV is enough to keep them going to work each day.

For many people, the idea of purchasing an RV also comes with the stark realization that you may need to consider financing options to purchase it. After all, your RV is likely going to be something that costs a bit of money, and financing it is often the best option to consider.

As you look to financing your RV, here are some things that you may also want to consider.


Plan Ahead

You can’t do enough research when it comes to buying something that often costs as much as a small home. That’s why it’s vital that you do plenty of research and look into as much insight as you can before you look to finance your RV. The more that you know before you look for financing options, the better equipped you will be to ensure that you get the best rates possible with your loan.

Some of the questions that you can ask include:

  • What’s your price range?
  • What events may happen in your life that could change your financial standing?
  • What sort of RV are you looking for? Does it need to accommodate a certain amount of people or terrains?
  • What sort of loan options do you qualify for? What else is available?

Don’t feel rushed to go through with your RV financing. This is a purchase that will have a large implication on your life, so taking the time to analyze your options will help you make the choice that’s best for you.

Call Your Insurance Agent

If you are financing your RV, then you will need to consider the type of insurance that you’ll need on the vehicle. In many instances, financing your RV means that you’ll also need to take out full coverage insurance as well. Your RV is a major investment, as well as a personal asset that you should look to protect. In addition, full coverage insurance may be mandatory in order to qualify for financing. Without insurance, you could end up owing the lender for the cost of the loan that was taken out.

Tell Your Accountant

In addition to calling your insurance agent, you may also want to consider calling your accountant as well. Purchasing an asset as large as an RV can have a big impact on your financial standing, and it could also affect your taxes. If you are unsure as to what changes the purchase of a new RV will do for your taxes, be sure to call your accountant. This is something that is often overlooked, but you want to be sure you don’t fall into that as well.


If you don’t have the savings readily available, it may seem impossible to ever consider owning an RV. However, financing provides those options through loans, making it easier for you to own something that will make for memories you’ll never forget. If you’d like to get the conversation started, the Finance Department at Crossroads Trailer Sales would be happy to answer any of your questions, or you can apply online today.