plasma...several years ago when we were looking for our first rv, we started with looking at used. And as you found out, most every used unit had a god awful smell. Not sure if someone died in them or if it was what they cooked in them. We also came to the conclusion that a lot of people do not take care of their rv's. Then we started looking at all the fabrics/carpet in them and what they contained or could contain. We quickly moved to new. We knew that you will pay more for a new unit and will lose that depreciation. But it was worth it us to know that there was no smell, no heebie jeebies and no one had a chance to destroy it. Having a year warranty on it was great and we opted for the extended warranty for piece of mind. That was on a travel trailer back in 2010 and we traded it in on a brand new 2013 Class C earlier this year and did it the same way.
As far as loans go, it will depend on the price of the unit you are buying. With the TT ($26,000) we could go with a 10 or 12 yr loan. With the Class C ($70,000), we could go up to a 20 year. Not sure what the price point is to where you can move up the number of years. I imagine its probably in the $40,000-50,000.
