On an RV, boat, or land loan, a bigger down payment cuts both the monthly payment and total interest, and reduces the risk of going underwater on a fast-depreciating asset.
Stretching the term lowers the payment but raises lifetime interest sharply — the opposite lever. The two trade off, and the right mix depends on cash flow vs total cost.
Compare a few down-payment-and-term combinations on total interest, not just the monthly figure, before signing.
Try it: more on down payment term big, see assetloancalculator.com.