Most folks can not pay cash for either. Most folks have some type of car payment. Now as for the rv. I see it this way. My kids were 6 & 10 when we got into rving. If we waited til we could pay cash then they would be out of college & all the memories we have now would have never happened. Some people buy boats, some rent cabins, some do drugs, some somke cigs, some drink...we use about $250/ month on our 5th wheel. I WOULD NOT THINK TWICE ABOUT FINANCING AN RV. Get what you want & enjoy life. Within reason...of course.