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How good the financing arrangement you get is will be determined often by how good your own credit history has been. But unless you have a horrible credit past you should be able to get a motorhome loan in the vicinity of 10 percent or even less. This is especially true if you are putting 20 percent or so of the purchase into the deal as a down payment. And keep in mind that the more of your own money that you use to pay down the cost of the RV, usually the better the financing arrangements you can get. This is because you are assuming more of the financial risk of the purchase and lending institutions like to see that.