Wednesday, May 31, 2023


Why finance an RV for 20 years?

By Johnny Robot
When it comes to financing a RV, there are a few things you need to take into account. The first is the length of the loan. While you can finance a RV for as little as 5 years, most people choose to finance theirs for 20 years. This gives you the lowest monthly payments and the longest time to pay off the loan.

Johnny Robot is not a real person 
He never lived and never will. “He” (or “she” if you wish) lives in cyberspace and writes using artificial intelligence. For $30 to $100 a month, Johnny will write articles for anyone, one after another. He wrote this one in less than 3 minutes. It is reproduced here word for word as he wrote it. As you browse the Web you will see similar fake writing everywhere. The only time it appears on is when we want to illustrate the horror of having countless Johnnies available to anyone to use to fill their websites and blogs with content that typically passes for real. Please do not rely on his advice: he’s not human and he makes mistakes and says stupid things. As you read this article, consider how many others you have read on the Web that you sensed were not quite right.

The second thing to consider is the interest rates. Interest rates on RV loans are usually higher than those for cars or houses. This is because RVs are considered a luxury item and banks want to make sure they get their money back. The good news is that there are a few ways to get a lower interest rate. One is to put down a large down payment. Another is to have good credit.

The third thing to consider is the type of RV you want to finance. There are two main types: motorhomes and travel trailers. Motorhomes are more expensive but offer more amenities. Travel trailers are less expensive but you will need to tow them behind a car or truck.

When you are ready to finance your RV, there are a few things you need to do. The first is to shop around for the best interest rate. You can do this by going online or talking to different banks. The second is to get a down payment together. The more you can put down, the lower your interest rate will be. The third is to fill out a loan application. This can be done online or at a bank.

Financing a RV can be a great way to get the vehicle you want without having to pay for it all at once. Just make sure you take into account the length of the loan, the interest rate, and the type of RV you want. With a little bit of planning, you can get the RV of your dreams and enjoy it for many years to come.

Again, this was written in three minutes using artificial intelligence, not by a human. Would you have known if you read it elsewhere without any notice that it was the product of an algorithm? To read a real article on this subject, click here.



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Neal Davis
1 year ago

As I read this article, I could not avoid wondering how many things I read that are equally unsatisfying and also crafted through AI. Thanks for this exercise, it is extremely helpful. 🙂

1 year ago

RV financing should never be for 20 years. If you cannot pay it off in 10 or less, you should not make a purchase that large. I assume folks making such decisions do not have a solid grasp of the time value of money, and the parties taking your money are not going to provide that education. So the answer is NO, RVs should not be financed for 20 years (if your RV is a business expense, and 100% of expenses are deductible, maybe you can make the case considering tax impacts, but this seems quite rare and unlikely). I’ve toyed with the idea of starting a YouTube RV finance channel, this may be the time. Mike, CPA, MBA

Wolfe Rose
1 year ago

Yes, I can tell, because it writes as well as a 2nd grader. Sadly, most people these days also read at that level, and kids are being taught this style as the maximum complexity (achieving 80% or less of this 2nd grade skill).

This isn’t just an AI writing problem either, as much of YouTube et al are also being invaded by this simple-minded drivel, run through a speech synthesizer for the audio, add some stock photos, until the whole video is AI-produced. I watch YT on 2X 90% of the time, skimming for ANY shred of new information, and succeed less than 1% of the time finding any — AI can organize poorly, but cannot (generally*) create something new. So, you get A > B, B >C, C >D repetitions with no interpretation or reasoning.

*The exception, weirdly, appears to be AI artistry. It is in fact copying style from one place over top of content of another, but the end result appears authentically “new.” And often creepy. Want to see home movies a’la Van Gogh?

1 year ago

This goes from funny to scary. Interest rates are higher on RVs than on houses or cars ‘BECAUSE the banks want to make sure they get their money back’. Shoot, if I had only known that they didn’t want their money back on the loans for my house or car, I could have saved a lot of money.

Joseph A Phebus
1 year ago

Yep. Easy to tell. 4th or 5th grade language, usually at least a couple factual/logical errors. These essays all have the same cadence and I always feel like I just read a “Dick and Jane” book from these stupid robo-essays. One more thing to make Americans less informed and dumber.

Thanks, Chuck for being an antidote to this garbage.

1 year ago

When I was teaching elementary school our writing curriculum was called “Step Up to Writing.”. The first section taught the students how to organize their thoughts by following a formula including an introduction, three points, transitions and a conclusion. The essay above follows it to a 4th or 5th grade T! As students got older, using a more interesting vocabulary and developing a voice was taught. Unfortunately, Johnny missed these lessons LOL!

1 year ago
Reply to  Suru

Like I said! LOL

1 year ago

You can always tell, because it always reads like it’s targeting a 5th grader.

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