It is a sad, sad day when people are so brainwashed by the financial companies and marketing agencies that they believe the only way to live is by borrowing money.
If you have $500, then you buy a $500 RV, it is a no-brainer.
An RV IS NOT an investment, it is an expenditure and a frivolous one at that. I see no justification to take on debt for a frivolous, unnecessary, massively depreciating asset.
You can make the same family memories in a $50 tent as you can in a $100,000 RV. Family memories are about time together and conquering obstacles, not about the vehicle.
Remember the weekend it rained non-stop? Remember the crummy camp wood you couldn't get to burn? Remember the trip when you visited the Grand Canyon? Not one of those memories requires a financed RV.