I bought a used on this year for 40k, 2013 winnebago.

My income was about 115k, with plenty of assets / liquid cash and I was given a 7.8% rate which was still astronomically high. I bought it with the knowledge i was going to renovate it, use it for the summer and sell it for a profit. I ended up paying 1k in tax with about $100 off the principal. I did opt for the longest term so that probably didnt help, but I would never buy an RV at those rates if I knew i wasnt going to flip it. I can only imagine theyve gotten worse since March.