I've seen posted on here a couple times that banks will only go back so many years on used RVs. Does anyone know what's the oldest year RV they'll float a loan on?
Also if it is old and you have a credit card you can buy one on a credit card and then get a personal loan (with less interest) for the credit cards. (Or debt consolidation if you have others).
My rule of thumb though, it may be good to go old enough to NOT take on debt. Sure shiny and newer is always nice, but it truly burns up $ to take on debt. It's often about how old we are willing to go and what compromise.
Is that using the RV as collateral? I would assume they would make a personal loan or home equity loan on your stick house for any year RV or for most any other reason.