Go to your CU first and get a monthly payment. Then see what the dealers banks can offer you .
My advise is to have cash on hand to be able to close the gap in your loan so you do not have a loan in which you are upside down . Where you owe more than the rv is worth as per your insurance company. At the same time, you do not want to put too much money as a down payment because you will lose that money if its totaled . Double up on your payments is a better option than cash up front where you could possibly lose it.
Once you sign the contract, you do not own a new rv anymore. Find out form your insurance company how they will depreciate your rv.
In case it should end up totaled or stolen in 6 mos, you goal is to have your insurance co. pay off that loan in full. Ask about 'gap coverage' to close that gap so you do not end up upside down on your loan.
