Choosing between a new and used RV is one of the biggest decisions you’ll make in the buying process. The right choice depends on your budget, risk tolerance and travel style. Understanding what to look for and where to buy an RV can help you find the right unit and make a confident purchase.
Key Factors to Weigh Before You Decide
These factors will shape whether a new or used RV makes more sense for your situation and where to buy one that meets your needs.
Warranty Coverage
The practical difference between buying new and used often comes down to warranty protection. With a new RV, manufacturer warranty coverage is typically included and protects you against defects and mechanical issues. Used units usually come as-is, with limited or no warranty.
When shopping for a used RV, pay close attention to the Federal Trade Commission’s mandatory Buyers Guide window sticker. The FTC’s Used Car Rule requires most dealers to disclose whether a vehicle is sold as-is, with a limited warranty or with a full warranty. It’s also vital to clarify which systems are covered and for how long.
Overall Pricing
Sticker price differences between new and used RVs are significant. New RVs typically cost more up front compared to used ones, but there are other financial considerations beyond the purchase price. Insurance costs also differ, as new RVs generally cost more to insure due to their higher replacement value.
Most buyers prefer getting new RVs despite the premium. Per RVIA’s 2025 Go RVing Demographic Profile, 71% of RV buyers choose new despite the higher up-front cost. However, some consumers opt for used units instead for the sake of affordability and reduced financial risk.
Depreciation Over Time
RVs lose value quickly in year one. Industry data consistently show that RVs could depreciate up to 30% in year one, a steeper rate than almost any other consumer asset.
While this depreciation factor matters more for buyers like young adults who may plan to upgrade later, some buyers may not mind having a lower return on investment. You must ask yourself how important it is for your RV to retain its value over time, as this can influence whether buying new or used makes better financial sense.
Getting a Professional Inspection
A pre-purchase inspection matters for both new and used RVs, but it’s especially important for used units. Hiring a certified third-party inspector gives you an objective assessment of the vehicle’s condition before you commit.
NRVIA recommends directly verifying an inspector’s certification and requesting a written contract plus a sample report before hiring. Ask about the inspector’s credentials, what their inspection covers and whether they provide a detailed written report. A thorough inspection can uncover hidden issues that might cost you thousands down the road.
Financing Options
There are several financing options for purchasing an RV. According to 2025 RVIA data, 45% of owners pay in cash, 27% use dealer financing and 20% use private financing. Loan terms and rates can vary based on whether the vehicle is new or used.
Newer RVs often qualify for longer loan terms, standard interest rates and lower down payment requirements because of their lower likelihood of breaking down. Meanwhile, used-RV financing tends to be more expensive, with higher rates and shorter terms. Before you shop, compare loan terms and interest rates from multiple lenders to find the best rate for your situation.
Floor Plan and Customization
New RVs allow buyers to pick exact layouts and personalize the features they want. You can select sleeping arrangements, kitchen configurations, entertainment systems and more. Conversely, used RVs offer only what is available on the lot, with previous owners likely having customized them to their own preferences.
Your travel needs and lifestyle should influence your ideal RV floor plan. Families needing bunk layouts for kids will have more options when buying new, while retirees wanting single-level accessibility might find what they need in either category, depending on availability.
Where to Buy an RV
Once you’ve identified what matters most in your RV purchase, the next step is finding a trusted dealership. These three options offer strong selections to help you get started.
Bretz RV
Bretz RV is a fast-growing, multilocation RV dealership with eight locations across Montana, Minnesota, Idaho and Washington. It provides new RVs with a broad inventory, allowing buyers to filter units by price range and monthly payment. Bretz RV’s regional footprint gives shoppers access to personalized service and local expertise.
Key features:
- Camp club perks: Members get access to exclusive benefits and community events.
- Flexible financing: Multiple financing options help buyers find terms that work for their budget.
- Large dealer network: Over 198 service centers provide post-purchase support.
Camping World
Camping World is a reputable platform offering a wide range of RV products, with over 200 locations across the country. It serves RV buyers and owners with both sales and ongoing support. The dealership’s extensive reach makes it easy to find a location.
Key features:
- RV parts and accessories: A full selection of gear and upgrades for your RV.
- Earned rewards and discounts for members: Loyalty programs provide savings on purchases and services.
- Trade-in programs: Existing RV owners can trade in their current unit toward a new purchase.
RVUSA
RVUSA offers over 43,205 RVs and other camping trailers for sale nationwide. It connects buyers with dealers and offers a variety of new and used RV options for different budgets and needs.
Key features:
- Vintage and consignment RVs: Unique and hard-to-find models for collectors and enthusiasts.
- RV rentals: Try before you buy by renting an RV for a test trip.
- Free quotes for insurance and financing: Get estimates to help plan your purchase budget.
Frequently Asked Questions
Here are answers to commonly asked questions about purchasing an RV.
How much does an RV depreciate in the first year?
Industry data shows RVs typically lose up to 30% of their value in the first year. This steep depreciation is one of the biggest financial considerations when deciding between new and used.
Does a used RV come with a warranty?
Used RVs are often sold as-is with limited or no warranty. The FTC Buyers Guide disclosure tells you whether any warranty is included and what systems it covers.
How do most people pay for their RVs?
Payment methods can vary. According to RVIA data, 45% of owners pay in cash, 27% use dealer financing and 20% use private financing through banks or credit unions.
Drive Off Confident in Your RV Choice
When deciding between a new or used RV, the best choice depends on your budget, risk tolerance and lifestyle needs. Use the key factors to guide your decision and start browsing with a trusted dealer who can help you find the perfect unit for your next adventure.
