Financing

THIS^.
Stick to credit unions or local banks.
Maybe it was our relationship with the CU we used to use, but we could get a loan basically on a phone call, no problem. They were typically secured loans, so if it was for something old, it was secured by something newer. IE loan for old camper, taken against newer truck that was paid off.

I recently went to my Credit Union and said "I need $9000 to buy a 1999 Dodge Cummins 3/4 ton truck." Their only question was "how much do you want the payment to be?" We negotiated a payment amount, she filled out the paperwork, and handed me a check to pay for the truck.
The motorhome? Same scenario. No problem with the age of the vehicle.
Of course, we have been members of that CU for almost twenty years, and have financed several vehicles with them. That might make a difference!

withdraw the rest from your retirement funds

Sorry but really bad advice. The loss of future income plus the tax load/penalty can be very expensive.

Or get a loan from a relation.

Even worse advice, unless it's a relation you don't care about.

So my advice is to nearly max out your CCs

Wouldn't do that either. Too much high cost debt and too much risk if you get in a pickle and need to charge necessities.

I would just keep looking for financing. If you have a credit union at work, try that first. If you are a home owner an equity loan may work. Rates are fairly low, but you do risk your house if you default. This site came up on a search:

https://www.sefinancial.com/rv-trader/?imt=1&utm_campaign=rv+trader&utm_source=rv+trader&utm_medium=Landing+Page&utm_content=rv+trader.

One last thought is too see how much you can get on an unsecured note (be prepared for high interest) and do the rest on a CC or some other way. Good luck and let us know how you make out. There are many on here who have been in your situation.

Back in Feb of '16, I had the delightful problem of not being able to find anyone who wanted to loan on a '02 Winnebago in Mesa, where there are hundreds of dealers and consignment lots. I have a credit rating of 783 too, but no takers.

Since I no longer own a S&B home, have no real property to speak of so couldn't get an equity loan either. Eventually gave up, and withdrew the entire amount from my retirement funds. What I should have done is used my two credit cards and almost maxed them out. Could have paid those off with a few hundred per month each if I'd thought of it. That would have reduced my withdrawal. Reason was the amount I took out pushed me into a higher tax bracket and I ended up paying $6800 in taxes that year when usually it would be no more than a couple hundred, if anything.

So my advice is to nearly max out your CCs and withdraw the rest from your retirement funds. Or get a loan from a relation.

I have no personal experience as to loan availability, but an 04 class A is likely not a large investment. With good credit, and maybe adding something else for collateral, such as paid off car/boat, or a co-signer with similar, may be an option.

Jerry

It can happen, I financed my coach through a local bank where I have a substantial history, though it was financed over a short term (4 years), the coach was 14 years old at the time the loan was made. I have also heard of others tending to have better luck through local credit unions.