I always use the same pattern when I buy a car or RV: Finance it for the longest term reasonably possible, but make sure there's no penalty for early payoff, then pay it off WAY early. Why? That way I can control how much I pay each month according to our (seasonally changing) income.
I financed my trailer for 12 years, and paid it off in 2 years. I financed the minivan that pulls it for 6 years and paid it off in 3.5. That was a while ago and I plan to keep both for at least another 4 years, assuming they both remain reasonably reliable.
