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Buy Here Pay Here RVs - Costs, Types and Where to Buy

If you’re exploring Buy Here Pay Here RVs, you want a clear, no-fluff guide to costs, models, and where to shop.

This walkthrough breaks down pricing, financing, RV styles, and trusted places to find a deal—plus tips to protect your budget.

What Is Buy Here Pay Here for RVs?

Buy Here Pay Here (BHPH) means the dealership sells the RV and also finances it in-house, so you make payments directly to the dealer rather than a bank or credit union. Approvals are typically faster and more flexible, especially if your credit is thin or challenged.

Because the dealer is the lender, underwriting can look beyond your credit score—things like income stability, residence history, and down payment matter more. Payments may be weekly, biweekly, or monthly, and some dealers accept cash, card, or online payments.

On the flip side, interest rates are usually higher than traditional loans, and selection may skew toward older models. That’s why it’s crucial to compare the total cost, not just the monthly payment, before you sign.

How Much Do Buy Here Pay Here RVs Really Cost?

Sticker price is just the start. Your true cost includes purchase price, interest, taxes/fees, insurance, fuel, maintenance, storage, and campsite stays. Here’s a practical breakdown to help you budget realistically.

Typical purchase price ranges (used market)

  • Teardrop & pop-up campers: $5,000–$15,000
  • Travel trailers: $10,000–$35,000
  • Fifth wheels: $20,000–$60,000
  • Class B camper vans: $40,000–$110,000
  • Class C motorhomes: $30,000–$90,000
  • Class A motorhomes: $40,000–$150,000

Check fair-market values before you negotiate: try J.D. Power (NADA) RV values and compare similar listings on RV Trader.

Financing costs and an example

BHPH APRs often run higher than bank/credit union loans—commonly in the 12%–24% range depending on credit and the unit. Let’s say you buy a $25,000 RV with 10% down ($2,500) and finance the remaining $22,500 at 18% APR for 48 months. Your estimated monthly payment would be about $660–$670, and you’d pay roughly $9,000–$10,000 in interest over the term. Shorter terms and larger down payments can dramatically cut total interest paid.

Other ownership costs to plan for

  • Sales tax, title, registration: Varies by state; check your DMV or USA.gov vehicle services.
  • Insurance: About $500–$1,500/year depending on RV type, use, and coverage.
  • Maintenance and repairs: Budget 1%–3% of RV value annually; pre-purchase inspections run ~$200–$500 via NRVIA-certified inspectors.
  • Storage: $50–$200/month (outdoor vs. indoor).
  • Campground fees: $25–$80+/night depending on hookups and location.
  • Fuel and propane: Motorhomes may see 8–12 mpg; tow vehicles vary by load and terrain.
  • Accessories: Hoses, surge protectors, leveling blocks, and linens can add $500–$1,500 upfront.

Styles of RVs You’ll See at Buy Here Pay Here Lots

Inventory varies by region and season, but most BHPH dealers stock popular pre-owned models. If you’re new to RVing, get familiar with the major types via RVIA’s guide to RV types. Here’s a quick snapshot:

Towable RVs

  • Teardrop & pop-up: Lightweight, easy to tow; great for weekenders and small SUVs.
  • Travel trailers: Broadest selection and price range; many floorplans for families or couples.
  • Fifth wheels: Spacious, residential feel; require a pickup with a bed-mounted hitch.

Motorized RVs

  • Class B: Van-sized, nimble, higher price per foot; ideal for solo travelers or couples.
  • Class C: Over-cab bed, family-friendly layouts; more affordable than many Class As.
  • Class A: Bus-style comfort and storage; bigger maintenance and storage needs.

Where to Find Buy Here Pay Here RVs

  • Local independent RV dealers: Search “buy here pay here RVs near me” on Google Maps. Call ahead to confirm on-the-lot financing and inventory.
  • Used car dealers with RV sections: Some auto lots carry a handful of towables or Class C motorhomes.
  • Online marketplaces: Browse RV Trader for dealer listings, and check Facebook Marketplace for local options (vet sellers carefully).
  • Reputation checks: Look up dealers on the Better Business Bureau and read recent Google reviews.

Why Buy Here Pay Here Can Be a Smart Option

  • Easier approvals: Flexible underwriting can help if you have limited credit history or past dings.
  • One-stop shopping: Choose your RV and financing in the same place—often same-day.
  • Flexible payment schedules: Weekly or biweekly options may align better with your paycheck.
  • Potential to build credit: If the dealer reports to credit bureaus and you pay on time, your score can improve. Confirm reporting policies in writing.
  • Older models accepted: BHPH lots often finance vehicles banks won’t touch due to age or mileage.

Balance the convenience against cost: higher APRs and fees make it essential to compare the total of payments, not just the monthly. For more on comparing loans and your rights, see the FTC’s guide to shopping for vehicle loans.

Financing Tips to Get the Best Deal

  • Set a real budget: Keep your RV payment plus insurance under 10%–15% of your take-home pay.
  • Compare offers: Get a quote from a local credit union even if you plan to use BHPH—it gives you a benchmark.
  • Bring proof: Pay stubs, bank statements, references, and insurance info can speed approval and improve terms.
  • Negotiate price, not just payment: A longer term can hide an inflated price; ask for the out-the-door price, APR, term, and total finance charge.
  • Choose a shorter term you can afford: It lowers total interest and helps you build equity faster.
  • Consider a bigger down payment: 10%–20% down can reduce APR and monthly payments.
  • Read the contract carefully: Check for prepayment penalties, late fees, GPS/kill-switch devices, and whether the dealer reports to credit bureaus.
  • Get an independent inspection: Use an NRVIA inspector to catch leaks, soft floors, roof issues, and appliance problems before you commit.

Red Flags and How to Protect Yourself

  • No right to inspect: If a dealer resists inspections or won’t allow a test of all systems (water, electrical, HVAC), walk away.
  • Salvage or flood titles: Verify the title status and run a free check via NICB VINCheck.
  • Vague warranties: Get all promises in writing. Understand what’s covered, for how long, and who pays labor/diagnostics.
  • Payment-only sales tactics: If the seller won’t reveal APR, term, or total of payments, that’s a red flag.
  • Pressure to sign now: A good deal today should be a good deal tomorrow. Take time to compare.

Ready to Shop? A Quick Checklist

  • Confirm your tow rating (for trailers) and match hitch/weight specs.
  • Bring a moisture meter and flashlight to check for leaks/soft spots.
  • Test slide-outs, generator, fridge, furnace, AC, water heater, and all lights.
  • Ask for maintenance records and tire DOT dates (replace around 5–7 years).
  • Request the out-the-door price, APR, term, total of payments, fees, and warranty details in writing.
  • Price similar models on J.D. Power and RV Trader before negotiating.

The Bottom Line

Buy Here Pay Here RVs can open the door to camping and road trips sooner—even if your credit isn’t perfect. Go in with clear eyes: verify pricing with third-party sources, compare total loan costs, insist on an independent inspection, and get every term in writing. With a solid plan and a reasonable budget, you can land an RV that fits your lifestyle without overpaying.