[pylon]

Personally I'd buy a couple years old used. Most RVs are purchased with a warranty and those are transferable. Also it helps you not fall into the mortgage trap with them on a 20 year loan. Banks won't finance them that long, unless purchased through a dealer. It was one of the main reasons I couldn't stay in that business. I was enabling people to make terrible financial decisions. I'm not painting with a wide brush, but there was a very large portion of the clients buying RVs that had no understanding of what they were signing, and how the interest worked. You had the odd client that was financially savvy, but most buyers were labourers, trades people etc, with very little knowledge of finances. It didn't feel right a lot of times.

With cars, which for most people are a necessity, I can justify loans. It gets you safe, modern transportation with a warranty in most cases. But toys, like bikes, RVs boats.... I believe those should be outright cash purchases.

Also part two of what bugged me about that business. The best RV out there, is still a massive piece of crap assembled by some Amish guy in Indiana with a bucket of glue and a nail gun, that just spent the first half of his day plowing a field. The quality is atrocious, on every single one of them. Like the worst car ever made, is built to Space age specifications in comparison to a trailer. And the appliances and electronics probably don't even meet North Korean quality standards. Warranties are an absolute must with RVs. So new or used, you are buying a massive piece of crap, and in that case, I would recommend used crap. At least it's cheaper, and if it's like most trailers out there it was bought, and hardly ever used. Just make sure it's inspected for busted pipes and tanks due to not being winterized.

That's my advice.