Stretching an RV or camper loan to 12-15 years lowers the monthly payment but raises total interest sharply, because you carry a large balance at a higher rate for far longer.
These loans also depreciate fast, so a long term can leave you owing more than the rig is worth for years — underwater equity that complicates selling or trading.
Compare the total-interest line, not just the payment: a shorter term at the same rate often saves thousands even though each payment is higher.
Try it: more on longer rv camper loan, see assetloancalculator.com.