20 years is a long time to finance an RV. You will be upside down in that loan for many years. If you trade in less than 7-10 years you will lose money. Shop around for financing if the monthly payment is the driving force. The dealer is going to make money if you finance there and if he has a better rate it can be beat somewhere. One good option is usually a credit union and many have easy rules for becoming a member.
2001 Ford F-350 Super Duty CC Dually, 7.3 Diesel
2013 832IKBS Flagstaff Classic Ultra Lite, Hensley Arrow Hitch, Carlisle tires
2016 days camped....211, it ain't over yet!
On the road to ALASKA May 6, home Sept. 13, 2016. 23 states, 3 Canadian Provinces, up to the Arctic Circle, 17,300 miles, 131 days on the road. 1 flat tire, 4 oil changes. What a beautiful trip!