If you finance it for less than 20 years your interest rate will go up. Finance for the best rate. Then pay extra and it will be just like a 10 or 15 year loan. Plus, if you get in a bind in a year or two, those lower required payments may save your bacon.
If you pay cash, you won't be able to deduct interest, sales tax, nor insurance each year. And don't forget to depreciate it on your taxes.
For those who can afford to pay cash, good on you. For those who prefer to invest and enjoy at the same time, just do it smartly. For us, the RV is our home, so having a loan made the most sense. Everyone's situation is different.
2009 Allegro Bus 43QRP w/ Cat C9 engine & PowerGlide Chassis