you select an RV from the dealer’s lot or place an order for the factory and put down a modest deposit ( not in cash!), making it refundable if, upon delivery, there is something major wrong. the deposit amount will be noted on the sales agreement. upon delivery you do an inspection and then pay the balance. not in cash, check, bank check, etc. get a receipt or make sure your payment is noted on the sales agreement. you pay, dealer hands you the keys. the bank will not get involved in this process.