Usually to buy from a private buyer they are upside down in their RV and looking for that sale that will pay off the loan completely. Not gonna happen. Best bet is to keep looking or yes get one from a dealer. Just do as much research as you can so you don't over pay for a RV. I had a ton of equity in ours when we traded so not an issue here. Best way when a lien is involved if a local bank is to go with seller and get title there. If it is not a local bank I'de make arrangements with their bank so they know title is to go to you and not seller.