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Pre-Owned RVs - How to Buy a Used RV and Finance

A pre-owned RV can open up the road for far less than the price of a new one.

Because RVs lose much of their value in the first few years, buying used lets you get more space and features for your money. Whether you're shopping for a Class A motorhome, a Class C, or a travel trailer, and whether you want weekend trips or a home on wheels, this guide explains where to find used RVs, what to inspect, how financing works, including payment plans and low-down-payment options, and how to protect yourself as a buyer.

Types of RVs to Consider

Start by deciding which kind of RV fits how you'll travel and how many people will use it.


  • Class A motorhomes are the largest, bus-style RVs, with the most living space. They cost the most to buy, fuel and insure.
  • Class C motorhomes are built on a truck or van chassis with the familiar cab-over bunk. They balance space and drivability, which makes them popular with families and first-time buyers.
  • Class B camper vans are compact and easy to drive and park, but have limited space.
  • Travel trailers and fifth wheels are towed by a separate vehicle. They often cost less than motorhomes, but you'll need a tow vehicle rated for the weight.

If you're deciding between two sizes, our guide to choosing between Class B and Class C motorhomes compares them in detail.

Where to Find Pre-Owned RVs for Sale

  • RV dealerships sell trade-ins and used inventory, often with financing and limited warranties.
  • Private sellers can offer lower prices, but sales are usually as-is.
  • Consignment lots, where dealers sell RVs on behalf of owners, offer a middle ground.
  • Online marketplaces let you compare prices across a wide area.

What to Inspect Before You Buy

  • Water damage. Look for soft spots in floors and walls, stains on ceilings and around windows, and bubbling or delaminating exterior walls.
  • Roof condition and seals around vents, air conditioners and skylights.
  • Tires. Check the date code, since RV tires can age out before the tread wears down.
  • Engine, transmission and generator on motorhomes, including maintenance records.
  • Appliances, plumbing, electrical systems and slide-outs, tested while you're there.
  • Title and history. Confirm the seller has a clear title and check for liens.

For a significant purchase, consider hiring an independent RV inspector before you buy.

RV Resale Value and Depreciation

RVs typically depreciate fastest in the first few years. That's why a well-maintained RV that's a few years old can be a strong value. Before you buy, compare prices for similar models and years, and think about resale: popular brands and floor plans, good maintenance records and an RV stored under cover usually hold value better.

Financing a Used RV

RV loans and payment plans

Banks, credit unions and RV dealers offer RV loans. Terms for larger loans can be longer than auto loans, which lowers the monthly payment but increases total interest. Credit unions often offer competitive rates, and getting preapproved before you shop gives you a number to compare with dealer financing.

Low or no money down

Some lenders and dealers advertise RV payment plans with little or no down payment, or monthly payments that sound very low. These can help you get on the road sooner, but they usually mean a larger loan, more interest and a higher risk of owing more than the RV is worth. Ask for the total cost over the life of the loan.

No-credit-check and in-house financing

Buy here pay here and in-house financing dealers may approve buyers with poor or limited credit. Expect higher rates and stricter terms, and ask whether your payments are reported to the credit bureaus. Be cautious with "everyone approved" offers and read every term before signing.

Taking over RV payments

Some sellers look for buyers to take over their RV payments. In most cases, the lender has to approve the transfer, and you should verify the loan balance, payment history and title status before handing over any money.

For more on flexible ownership options, see our RV rent-to-own and zero-down financing guide.

Buying a Used RV to Live In

If you plan to live in your RV full time, look for good insulation, adequate holding tanks, reliable heating and cooling and enough storage. Budget for full-timer insurance, campground or RV park fees, maintenance and a plan for mail and legal residency.

Frequently Asked Questions

Is it better to buy a new or used RV?

Many buyers choose used because RVs lose value quickly in the first few years. A well-maintained used RV can offer much more for the money.

Can I finance an RV with bad credit?

It's often possible through specialized lenders or in-house financing, but expect higher rates and a larger down payment requirement.

How do I know if a used RV is a good deal?

Compare prices for similar models, review maintenance records and get an independent inspection before buying.

This article is general information, not financial advice. Prices, financing terms and availability vary, so compare written offers and inspect any RV before you buy.