This thread sure did get way off the subject.
Lenders are out there and sometimes you just need search a bit more than a few traditional lenders to find them. As mentioned credit unions and other such organizations are a bit easier to work with. USAA holds the note on my rig but I've been dealing with them for several years with other financial matters before the RV purchase. Called on Monday, loan was approved by Wednesday, check received Friday, drove the coach home Saturday.
RV loans are somewhat in a gray area. The loan is not a mortgage and is not auto loan. Terms can exceed over 10 years and the base amount can be more than the average home. As such the pool of organizations what will service such a loan is a bit smaller and will require more work on your part to find one.
Regarding private party purchases, which will be a used purchase and no different than if you acquired the rig from a dealer used, each lender will have internal restrictions on what they will and won't loan against. For example how old or what model year the rig might be. No hard rule but 10 years seems to be common limiter for motorized RVs. Also with a pre-owned rig (private party or dealership sale) a 20% down payment can be required by lenders but it does vary.
Good luck and keep searching.
