My credit union will not do 15 months on a RV loan. Also the more you borrow the lower interest rate Bank of the West will give you. We took a 15 year note on our TT and paid it off in five years. DW lost her job and was out of work for six months. That low payment was a really nice.
I look at an RV as entertainment. Some people spend thousands of dollars to go on vacation for air fare, hotel rooms and restaurants for one week. Some people spend that money on an RV and go on many trips for years with friends and family. Life is short.