Is it possible to finance a $23K trailer for 180 months?

lane hog wrote:
The only RV's I've ever seen with a 15 year note is a motorhome, and they also offer 20 year notes on the bigger units. Bad idea given how quickly depreciation hits and how long you'll be underwater.

If you retain the down payment you are never underwater. You just pony up at the end instead of the beginning. Virtually any RV loan can be accelerated at any time.

Of course if the person barely has two nickles to rub together it can present an issue.