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Fifth Wheel vs. Motorhome: Which RV is Right for You?

Fifth Wheel vs. Motorhome: Which RV is Right for You?

by | Apr 4, 2025 | RV Buying Guide

If you’ve decided to go big with your rig, you’re faced with a decision: fifth wheel vs. motorhome. Both are fantastic options for RV travel, offering comfort, convenience, and more space than other RV types. But, while they both have their advantages, there are a few items to consider when comparing the two. At Courvelle’s RV, we help RV enthusiasts find the perfect rig. To help you choose, we’re breaking down the pros and cons of these two popular RV types.

Understanding the Basics

Let’s start with what makes a fifth wheel and a motorhome different.

A fifth wheel set up at a campsite.

Fifth Wheel

A fifth wheel is a towable RV that hitches into the bed of a pickup truck using a special fifth-wheel hitch. Known for their split-level design, fifth wheels often have raised front living or bedroom areas. They’re popular among full-time RVers and travelers looking for spacious interiors and stability while towing.

A Class A motorhome driving on a misty road in the woods.

Motorhome

A motorhome is a self-propelled vehicle that combines both engine and living quarters in one unit. These come in various classes—Class A (bus-style), Class B (van-style), and Class C (truck chassis with an over-cab bed). For our comparison, we’re going to heavily focus on the largest motorhome option: the Class A. These are the closest to fifth wheels in terms of size and sleeping space.

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So how do you choose between a fifth wheel vs. motorhome? Let’s compare the two in key areas.

Drivability and Setup

The biggest benefit of a motorhome is that it’s ready to drive right out of the gate. There’s no need for a tow vehicle or hitching process. Once you’re at the campsite, setup can be quick—level, hook up utilities, and you’re done. However, if you want to be able to easily get around at your destination, you may also need to tow a separate car (a “dinghy”). Another option is to rent a car for local exploration.

In comparison, towing a fifth wheel requires a capable pickup truck and experience with maneuvering a trailer. That said, once unhitched, your tow vehicle is free for local trips—no need for an extra towed car.

If you value simplicity and fewer moving parts, a motorhome may win. But if you already own a truck and prefer the flexibility of a detachable tow vehicle, the fifth wheel offers more freedom.

A Class A with a trailer attached so that it can tow a car.

Living Space and Layout

Fifth wheels have long been praised for their residential-style layouts and spacious interiors. With multiple slide-outs, high ceilings, and generous storage, fifth wheels are often the go-to choice for RVers looking for a home-away-from-home experience. Kitchens with islands, large bathrooms, and dedicated entertainment spaces are common.

Meanwhile, Class A’s are bus-style RVs designed for comfort. Many feature full-sized appliances, dual bathrooms, king-sized beds, and expansive slide-outs that rival those in fifth wheels. Most Class A models also include large windshield views, drop-down bunks, and theater seating. While overall square footage may be slightly less than a fifth wheel, Class A motorhomes are thoughtfully engineered to maximize space and comfort without the need for a tow vehicle.

 Cost and Maintenance

In the fifth wheel vs. motorhome cost comparison, there are short- and long-term factors to consider. Fifth wheels are generally less expensive than motorhomes of comparable size. However, you’ll need a suitable truck, which can be a major expense if you don’t already have one. On the plus side, maintenance is often simpler and less costly—especially since the “engine” is in your tow vehicle, not the RV itself.

Motorhomes come with a higher upfront cost, particularly Class A models. They also require regular maintenance on both the RV and the engine/chassis components. Repairs can be more costly, and servicing a motorhome may take it out of commission entirely during repairs, whereas a truck and fifth wheel can be serviced separately. Fifth wheels generally offer more affordability and easier maintenance over time.

Two women looking out the window of a Class A motorhome.

Travel Style and Versatility

When weighing fifth wheel vs. motorhome options, consider how often and how far you plan to travel—and how long you like to stay once you get there. Fifth wheels are often a great choice for shorter trips or more frequent travel between destinations. They’re easier to hitch and unhitch compared to setting up a motorhome and towed car combo. Since you’re using a truck as your tow vehicle, you can quickly disconnect at your campsite and use the truck to explore nearby towns or grab groceries. For weekend getaways or road trips with shorter stays, fifth wheels are a popular and practical option.

For longer seasonal stays, snowbirding, or extended travel, Class A motorhomes are the top pick. While it may seem inconvenient to tow a car behind a motorhome, it’s a one-time setup at the beginning of your trip. Once you arrive at your destination, the towed vehicle becomes your everyday transportation. For RVers who head south for the winter or enjoy setting up camp for weeks or months at a time, the comfort and convenience of a Class A motorhome make the towing trade-off well worth it.

If you prefer quick getaways and flexibility, the fifth wheel wins. But if your RV lifestyle includes longer stays or you travel seasonally, the motorhome—especially a Class A—is the better long-haul choice.

Storage and Towing Capacity

Another key consideration in the fifth wheel vs. motorhome decision is storage and towing. Fifth wheels often feature large basement storage compartments and extensive interior cabinets. While motorhomes have external storage “bays,” space is often limited compared to fifth wheels. If you need to tow a car behind your motorhome, it adds complexity and length to your rig.

Which Should You Choose?

When it comes to fifth wheel vs. motorhome, the best option truly depends on your budget, travel habits, and preferences. If you want spacious, residential-style comfort and already have a tow vehicle, a fifth wheel is hard to beat. If you’re seeking convenience, mobility, and a road trip-ready setup, a motorhome might be your best bet.

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Ready to Explore Your Options?

Stop by Courvelle’s RV in Opelousas or browse our inventory of fifth wheels for sale and Class A RVs for sale. Our expert staff will be happy to walk you through floorplans, answer your questions, and help you find the RV that matches your travel dreams. When it comes to fifth wheel vs. motorhome, we’re here to make the decision easy—and exciting!

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Things to Consider When Buying A Class A RV

Things to Consider When Buying A Class A RV

by | Feb 24, 2025 | RV Buying Guide

At Courvelle’s RV, we understand that choosing the right Class A motorhome is no small decision—it’s an investment in your family’s comfort, adventure, and memories. Whether you’re a seasoned RV traveler or a first-time buyer, finding the perfect motorhome is key to ensuring a smooth, enjoyable journey on the road. Class A RVs are the epitome of luxury and convenience, offering unmatched space and comfort for families who love to explore. From spacious living areas to top-tier amenities, these self-contained motorhomes are designed to provide everything you need for both short vacations and long-term living.

In this guide, our experts at Courvelle’s RV will highlight what makes Class A RVs unique and walk you through the key factors to consider when purchasing one. We’ll explore everything from engine types and fuel efficiency to floorplans and interior features, helping you make an informed decision that aligns with your family’s needs. At Courvelle’s, we’re dedicated to helping you find the RV that’s the perfect fit for your lifestyle. Keep reading to explore the key factors that will make your RV buying experience smooth and easy.

What Makes Class A RVs Different from Other RV Types?

When you think of a motorhome, it’s likely that you’re picturing a Class A RV. Motorhomes, unlike towable RVs which are towed behind a truck or SUV, have their own engine and driver’s cab as part of the vehicle. While Class C and Class B RVs are also motorhomes, the term “motorhome” is typically associated with Class A RVs due to their size and luxury. A Class A RV is the iconic “box on wheels” design, known for its spaciousness and grandeur.

These self-propelled motorhomes are the largest of all RV types, ranging in length from 26 to 45 feet, and are built with similar framing to commercial buses. Powered by either gas or diesel engines, they provide more living space than other RVs. Because of this, they are ideal for long trips or full-time living. Their size means you’ll have room for full kitchens, bathrooms, sleeping areas, and more, offering a level of comfort that’s often compared to a luxury apartment on wheels.

Class A RV bathroom
Shower in Class A RV
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It is important to know what features are non-negotiable for your family. So, here are some things to consider and look for when shopping for a Class A RV.

Size Matters

First, you need to know when buying a Class A RV is how many people will be RVing with you. Again, Class A motorhomes range in size. So, knowing the sleeping capacity, livable space, and storage room that will work best for your family is crucial. Furthermore, consider your travel style. If you’re frequenting national parks, you may want a shorter motorhome for easier maneuvering and parking in campsites. If you value more space and features, or plan for longer stays, you can opt for a longer model.

Likewise, it is important to know your motorhome’s GVWR (gross vehicle weight rating) and cargo-carrying capacity. This is especially important if you’re planning to tow a vehicle or trailer behind your motorhome. While the cargo capacity is higher on Class A RVs in comparison to other campers, you will want to federal weight laws.

Furthermore, if you’re planning to travel heavy, you may need to consider a tag axle. Because a rear axle has weight limitations, a tag axle is a third axle located behind the rearmost axle. Tag axles are used to increase GVWR. Their primary purpose is to provide increased weight-carrying capacity for larger/heavier motorhomes. Most class A motorhomes up through 40′ use a single rear axle. Usually, anything over 40′ gets a tag axle, although there are always exceptions.

Class A RV Towing SUV

Fuel Type

Next, when you’re buying a Class A RV, should you go for a diesel pusher or a gas motorhome? Class A RVs can have gas or diesel engines and the difference between the two is considerable. Typically, gas powered motorhomes lack the power and thus the luxury of diesel pushers. Diesel rigs can carry more and thus typically offer more amenities. Because the engine is in the back of the motorhome, diesel-powered motorhomes tend to have a bit more living space at the front of the vehicle.

With gas-powered motorhomes, the engine is in the front. While class A gas models are great for the plains and can work elsewhere, diesel is going to be the better hill-climber. They are also typically better on fuel economy And, while diesel engines are more expensive to maintain, they’re also more durable and likely will outlast a gas engine. It’s important to note that the cost of diesel-powered Class A RVs does reflect the benefits. Indeed, gas powered motorhomes tend to be more affordable upfront. So, if you do not need the power of a diesel pusher, they could be a good option.

Diesel vs Gas Motorhome –What’s Your Best Bet?
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Heating

There are two types of heating to consider when buying a Class A RV: forced air and hydronic systems. Forced air heating systems use air to transfer heat unlike hydronic systems that use water or steam to transfer heat. With forced air systems, air is drawn from the room by powerful fans. The air is then passed through a heating chamber and then is pumped back to the room.

With hydronic heating systems, water/steam transfers heat from a boiler to different parts of the room through metal pipes. The hot liquid is pumped to heat exchangers that circulate warm air through a system of tubing to low-voltage radiator fans situated throughout the RV. Hydronic heating systems tend to be quieter in the living space and more even distribute heat. However, they come at a higher cost than forced air systems. Read RV Hydronic Heating System: 11 Things You Need to Know for more information on hydronic hearing systems.

Manufacturer & Model

Another consideration when buying a Class A RV, or any RV for that matter, is the brand and the reputation of that manufacturer. It is important to do your research. Read reviews, talk to other RVers and RV service technicians for advice. Learn about the reputations of different RV manufacturers and research what warranties and support they offer their owners. Additionally, know where you can get your RV serviced if it is covered by the manufacturer. Also, remember that preventative maintenance is crucial in keeping your RV in top shape. If you are looking for RV repair services in Louisiana, contact us at 337-942-5800.

Moreover, it is important to note that each manufacturer offers different models and floor plans. Each RV can offer varying degrees of amenities, options, and luxury features. Think about which are essential for you and which are just desirable luxuries. How much refrigerator space do you need? Do you need a washer and dryer? What about solar panels? A fireplace? Differentiate your wants from your needs for your camping enjoyment.

We cannot stress enough how important research is when buying a Class A RV. Finding the right floor plan to fit your needs is one of the key factors in buying a motorhome. You’ll want to determine how you intend to use your space and what appliances and furniture you’ll need. Consider the livability of the overall layout; this is crucial to ensure your home on wheels suits you.

Benefits of Buying a Class A RV

Now that we have specified key considerations to buying a Class A RV, let’s briefly look at some of the benefits of them. First, not only do they have conveniences such as refrigerators and bathrooms, but passengers can access them while moving. Next, and we’ve touched on this already, but the luxuries are nearly unlimited. Many Class A RVs have home-like features, such as a washer and dryer. Additionally, these RVs can have multiple slide-outs to increase living and storage space. In fact, they have the best exterior storage of all RV types. Many have large pass-thru compartments that can accommodate patio furniture and other larger items. And lastly, they have a higher towing capacity. This enables you to tow another vehicle so you can explore once your RV is set up at the camp site. If you’re still unsure which type of motorhome is right for you, you can read more about how to choose between Class A vs. Class C motorhomes.

Buying New vs. Used

To begin with, RVs are an investment. And Class A RVs tend to be the most expensive type of RV. Although owning a Class A motorhome can be a tremendously rewarding experience, it can have a large barrier to entry. New Class As can range anywhere from about $95,000 to $500,000 or more. It really depends on the features and accessories you choose.

While buying a Class A RV new can allow you to customize the options on it more extensively, it is always pricier than buying used. Remember, Class A RVs are built to last. However, their value does depreciate year after year. This is one of the many reasons to buy a used Class A RV. If you’re not ready to commit to a new Class A, buying a used motorhome can be a wise move. Before deciding between used and new, consider all the factors involved.

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Where to buy a Class A RV

Courvelle’s RV is your Louisiana RV dealer where you get more for less! We have the cleanest inventory of used Class A RVs in Louisiana. All of our used Class A motorhomes are expertly maintained and in excellent condition.

We only take in premium used RVs, so you can rest easy knowing when you buy a used motorhome from us, you are getting the most well maintained like new motorhomes in the area. Brands we carry range from Fleetwood to Tiffin and Coachmen to Forest River. Come see us today to find your perfect Class A RV!

Ready to find the perfect Class A RV for your family?

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Budgeting for the Big Easy: Hotel Prices & RV Park Costs in New Orleans

Budgeting for the Big Easy: Hotel Prices & RV Park Costs in New Orleans

by | Jan 27, 2025 | Uncategorized

Dreaming of a New Orleans vacation? Of Course! But there’s one problem—traveling is expensive. With rising inflation and popular demand, today’s travel expenses can really strain vacation budgets, especially for families. Many assume visiting NOLA is too pricey, but we’ve got tips to visit the Big Easy without breaking the bank. Whether you’re drawn by the jazz, the jambalaya, or the jubilant street life, figuring out where to stay can make all the difference in your travel budget. We’re here to help you decide the best and most cost-effective accommodation for your adventure. In this blog, we’ll compare the average hotel prices versus RV park costs in Louisiana.

Ready to find out how much you could save by opting for an RV park over traditional hotels? Let’s get started on making your New Orleans vacation memorable and affordable.

outside view of a building in New Orleans

Planning a New Orleans Vacation: Hotel Prices vs. RV Park Costs

Let’s zoom out for a moment and consider the bigger picture of vacation costs in the U.S., considering all expenses. Once we understand the overall expenses, we’ll concentrate on your lodging options. We’ll look at the current landscape of hotel rates and average hotel price. Then we’ll see how they stack up against the average cost of staying at an RV park each night.

How Much Does a Vacation Really Cost?

These days, figuring out vacation costs feels like a tricky puzzle, especially with prices bouncing all over the place. In 2024, travel prices have shot up even more compared to the average cost of travel for 2023. Trends suggest people are opting for fewer trips, but they’re staying longer when they do travel. This stresses the importance of lodging costs in your travel planning. But first, you have to actually get there, so let’s look at those numbers.

According to Hopper’s Q3 2024 Consumer Travel Index, airfare is on the rise as we head into the holiday season. Airfare is projected to peak in December at around $283 per round trip domestic ticket.

While air travel gets pricier, road trippers will catch a break—gas prices have dropped nearly 10% from last year. So, if you’re planning a road trip this fall, you’ll stretch your dollars further and get more miles for your money. This is fantastic news for RVers, but those in need of car rentals may not find the same luck. Car rental prices remain relatively level, averaging $44 per day with most travelers looking for 4-day rentals.

Going back to RV travel, in general, RV vacations cost much less than other types of vacation travel. While fuel costs do not drive these savings, we will take them into consideration in this blog. To plan your trip, you can calculate your fuel costs ahead time for budgeting. Surveys suggest that the most popular distance for RV road trips is between 500 and 750 miles. So, if your RV gets 10 miles per gallon and you’re planning a road trip of about 625 miles with gas prices at $3.50 per gallon, here’s how you’d calculate your fuel costs:

For a 625-mile journey: Total Gas Cost = (625 miles / 10 MPG) × $3.50 per gallon = $218.75

Now, let’s talk about where you’ll sleep. If you’re traveling with your RV, you’re in for some savings. According to J.D. Power, the cost of an RV spot with power and water hookups averages about $30 a night. On the other hand, the average hotel room in the US is hitting about $161 per night. Quite the difference, right?

Plus, there’s another bonus to RVing—you could save a chunk of change on meals. While food prices are generally on the rise, dining out has become particularly expensive. According to the USDA, while grocery prices have seen some yearly drops over the past four decades, restaurant prices have consistently climbed. Just last year, eating out costs soared by 5.1%, compared to a relatively slight 1.2% hike in grocery prices.

Think about this: about 42% of Americans shell out $11 to $20 per person for each meal out. Even if you skip snacks, if you’re dining out three times a day at an average of $15 per meal, that’s $45 per day per person. Over a week, that’s $315 for just one person, and for a family of four, it jumps to $1,260. With your RV’s kitchen, you could dramatically cut that expense. So, stocking up your RV kitchen could really help cut down on your vacation spending.

Average Cost of 1 Week Vacation

When you break down the costs of a typical one-week vacation, here’s what you might expect to spend across different categories:

Average Vacation Costs Airfare Car Rental Hotel Food
For Solo Travel $283 $308 $1,127 $315
For a Family of 4 $1,132 $308 $1,127 $1,260
  • Airfare: For solo travel, expect to pay about $283. A family of four will pay the same per person, totaling $1,132.
  • Car Rental: A car rental averages $308 whether you’re solo or with family.
  • Hotel Stays: Solo travelers and families alike can anticipate spending $1,127 on accommodations.
  • Food: Meals add up to $315 for solo travelers, while a family of four will spend approximately $1,260.

Total Costs for a 1 Week Vacation for Solo Travel: $2,033.

Total Costs for a 1 Week Vacation for a Family of Four: $3,827.

camping out of an RV in New Orleans

How Much Can You Save with RV Travel:

A recent study by CBRE Hotels Advisory Group, commissioned by Go RVing and the RV Industry Association, shows just how wallet-friendly RV vacations can be. Families of four can save up to 60% of what they might otherwise spend on a typical vacation. And couples save nearly half. These figures consider everything from gas to the cost of owning an RV, proving that RV travel isn’t just fun—it’s also incredibly cost-effective for groups of all sizes.

RV travel is not just a way to see the world; it’s a smart financial choice, especially for families. Take the lightweight travel trailer, a popular choice among RVers. On average, taking this type of RV on a 4-person camping trip costs about 48% less per day than flying and staying in hotels. It’s also 34% cheaper than traveling by car and booking hotels. The savings start with eliminating airfare, which can be a significant part of a vacation budget.

As previously noted, eating out during vacations can quickly add up too. While the average restaurant meal costs about $15 per person, a meal prepared in your RV costs around $4 per person. For a family of four, that’s a saving of $44 per meal! Over a week, this alone could save you hundreds of dollars.

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Person calculating the costs and savings of hotels vs RV travel

Other Considerations Comparing Hotel Costs & RV Park Savings

Since the pandemic, we’ve all become more cautious. With flight cancellations, sanity concerns and inflation, preferences and costs have changed. Today most travelers prioritize safety, affordability, and convenience.

The prices of hotels continue to increase despite a drop in satisfaction and limited convenience. Hidden fees are another headache. Amenities and resort fees often hide until checkout, pushing up the real cost of hotel stays beyond the base rate. RV travel shines here, especially for pet owners. Forget pet fees or sneaking your furry friends into hotels—RVers can simply bring their pets along for the ride.

There is no question that RVs are more economical than hotels.  As we explore the specifics of a New Orleans vacation, it’s clear: RVing not only saves money but also gives you the freedom and flexibility that traditional travel can’t.

Average Hotel Prices in New Orleans

At Courvelle’s RV, we’re all about helping you get the most bang for your buck on your travels. When it comes to a New Orleans vacation, hotel prices vary from as low as $55 to as high as $179 per night, depending on the season, amenities, and location. For instance, the Wyndham New Orleans – French Quarter, a popular choice among budget-conscious travelers, recently listed for $291 a night. However, they do now allow pets and there is no kitchen. If you need a mini-fridge, you’d have to upgrade to a deluxe room. And parking is an additional $40 per day.

Another mid-range hotel option in the French Quarter is the Holiday Inn Chateau Lemoyne. The hotel offers standard rooms with two double beds and wifi for about $275 a night. It also excludes pets and requires additional fees for valet parking.

When you read the tips for saving money on hotels in NOLA, it will tell you to go further out of the city. This is an option, especially if you have transportation. One option further out is the Quality Inn New Orleans I-10 East. This hotel is not rated as highly but is a pet-friendly option that advertises value. It offers a night’s stay for $85 with taxes and fees, including free parking, wifi, and continental breakfast.

While some hotels are tagged as “budget-friendly,” affordability clearly is subjective and varies widely. Although you’ll typically find lower rates on weekdays and outside the city center, hotel stays can clearly eat up your vacation budget. At Courvelle’s RV, we believe your trip shouldn’t be cut short due to high lodging costs. Let’s explore how staying at an RV park could provide you budget to see more and stay longer.

RVs lit up in an RV park overnight

Exploring RV Park Costs in New Orleans

At Courvelle’s RV, we know a thing or two about cost-effective travel. Staying in an RV park can save you a lot of money compared to local hotels. Let’s get into what you can expect to pay and the benefits of RV camping in New Orleans.

Jude Travel Park of New Orleans A mere 5 miles from the French Quarter, Jude Travel Park offers a personal touch with family-owned charm at $52 per night. This park’s amenities include a pool, whirlpool, and clean restrooms, with a shuttle bus service that allows guests to easily explore downtown without the hassle of parking.

Pelican RV Park For $40 per night, Pelican RV Park offers proximity to downtown and a security-gated property. It stands out with its on-site restaurant, Smiley’s Grill, which serves meals throughout the day and includes a full bar—a rare find in New Orleans campgrounds.

Sun Outdoors New Orleans North Shore Starting at $54 per night, with a $30 resort fee, this site offers premium lakeside RV sites and modern amenities such as a swim-up bar, lazy river, and mini-golf. Its full hookups, WiFi access, and ample recreational activities make it a top choice for families looking to enjoy a resort-style stay.

New Orleans RV Resort & Marina Located on Lake Pontchartrain and only 12 minutes from the French Quarter, this gated community starts at $74.95 per night. It features deluxe waterfront RV sites, a swimming pool, and a variety of villa accommodations, making it an ideal choice for those seeking a luxurious waterfront stay.

French Quarter RV Resort Located just blocks from the vibrant French Quarter, this resort combines convenience with quality. Standard RV sites are priced at $120 per night, providing full hook-ups (water, sewer, cable, and Wi-Fi) across spacious 60 ft. by 30 ft. sites. Enjoy the added luxuries of a clubhouse, fitness center, laundry facilities, and a French Quarter-style courtyard featuring a pool, hot tub, and gazebo with bar facilities. Considering hotel parking fees in the area, the included parking here presents considerable savings.

In New Orleans, the savings on RV parks make RVing for your New Orleans vacation a great option. Avoiding the high hotel fees can help you stretch your stay and budget further. Plus the extra amenities of the campgrounds offers families a unique vacation experience.

New Orleans on a Budget: Comparing Average Hotel Prices & RV Park Costs

In our direct comparison between hotels and RV parks, it’s clear that RV parks often provide significant savings. For instance, while a week-long hotel stay in New Orleans averages around $1,127, staying at an RV park like the French Quarter RV Resort would cost about $840 for the same period. This kind of saving, coupled with additional amenities and the elimination of hefty hotel fees, highlights RV parks as not only a budget-friendly option but also an enriching way to experience New Orleans.

Outside view of a hotel in New Orleans

Plan Your New Orleans Vacation Today!

Vacations are more than just a break from the daily grind; they’re precious opportunities for families to bond and create lasting memories. Opting for an RV vacation can enhance these experiences for you and your family. Not only is RV camping more economical compared to traditional hotel stays, but it also offers unmatched flexibility and freedom.

With the costs of hotels and dining out climbing, RV travel emerges as a smart choice for those aiming to maximize their vacation budget. Whether you’re curious about the top family activities in New Orleans or need advice on RVing with pets, we’re here to guide you.

Looking for the perfect RV for your adventure? Stop by Courvelle’s RV to find a vehicle that fits your family’s needs and budget, ensuring your New Orleans vacation is both memorable and affordable.

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Navigating RV Financing: What You Need to Know

Navigating RV Financing: What You Need to Know

by | Jan 22, 2025 | RV Buying Guide

At Courvelle’s RV, we understand that financing your RV can be a important part of purchasing your dream vehicle. This guide is crafted to help you understand the ins and outs of RV financing, ensuring you are well-informed and comfortable with your decision.

 Understanding RV Financing Terms

When it comes to RV financing, getting a handle on the terms and options can really make a difference. Here at Courvelle’s RV, we like to keep things straightforward and ensure you know exactly what’s involved in the financing process. Let’s begin by breaking down the key RV financing terms every RV buyer should know:

Credit Score Requirements: Your credit score affects your eligibility and the terms of your loan. Higher scores often mean better terms.

Debt-to-Income Ratio (DTI): This ratio helps lenders decide if you can manage your loan payments. A lower DTI might help you get better terms.

Loan to Value (LTV) Ratio: This is about how much loan you have against the RV’s value. Better ratios often mean better terms.

Amortization: This is how your loan payments are broken down over time between principal and interest.

Prepayment Penalties: Some loans have fees for paying off early. Knowing this can affect how you manage your finances.

Refinancing Options: If your credit has improved, refinancing might reduce your interest costs.

Lender: This is the individual or institution who loans you the money and sets repayment terms based on your credit score, debt-to-income ratio, and the value of what you’re buying. They evaluate risk to shape the loan’s conditions.

Loan Payment Terms Graphic
Loan Term Length: Understanding the length of your loan is crucial. For pricier rigs, terms can stretch up to 20 years, much like a mortgage.

Interest Rates: These rates determine how much you’re paying for borrowing. They vary widely and are influenced by your credit score, the age of the RV, and the loan amount. A lower rate means lower overall costs.

Down Payment: The upfront amount you pay can influence your monthly payments and interest rates. More upfront can mean less monthly. You can use a RV loan calculator to estimate your monthly payments.

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Prime vs. Subprime Lenders

In RV financing, the type of lender you choose—prime, subprime, or local—depends on your credit score and financial needs. Prime lenders offer loans to those with high credit scores (680 and above), providing favorable rates and terms due to lower risk. Subprime lenders cater to individuals with lower credit scores, offering broader access to financing at higher rates to balance the increased risk. Local lenders, like smaller banks and credit unions, often focus less on credit scores and more on loan-to-value ratios or personal banking relationships, offering more flexible terms. Each lender type serves different borrower needs based on financial standing and credit history.

At Courvelle’s RV, we work with both prime and subprime national lenders and local lenders to accommodate a wide range of credit scores and financial circumstances.

  • Prime Lenders: For those with a credit score of 680 or above, offering the best rates and terms.
  • Subprime Lenders: For credit scores as low as 550, making financing accessible for a broader audience.
  • Local Lending Options: We work with local banks and credit unions that may focus more on Loan to Value (LTV) than credit scores alone and do not have a minimum score requirement.

Here at Courvelle’s RV, we’re all about helping you navigate these waters smoothly so you can focus on the fun stuff—like planning your first big trip in your new home-on-wheels. Got questions? Our RV financing experts are here to help you sift through the options and find the best one for your budget and lifestyle. Contact us and let’s talk about how you can hit the road without a hitch!

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Understanding RV Loan Criteria: What Impacts RV Financing

Now that we’ve covered the basics, let’s dig a bit deeper into what you need to qualify for RV financing.

Age of the Unit

At Courvelle’s RV, whether you choose a new or used RV, understanding your financing options is important. While we don’t provide financing directly, we see that typically, vehicles up to 12 years old can be financed, with newer models up to 10 years old often eligible for more favorable terms due to their maintained value.

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RV Financing Interest Rates

At Courvelle’s RV, we want you to get the best deal on your RV loan, and that starts with understanding what affects your interest rates. A solid credit score can get you lower rates because it shows lenders you’re good at managing your money. Also, your past dealings with big purchases and how timely you’ve been with payments really count. Your debt-to-income ratio and the amount of credit card debt you carry also weigh in—lenders use these to gauge if you can handle more debt. And don’t forget about your down payment; the more you put down, the better your terms might be. It all comes down to risk—the lower the risk you pose to lenders, the better your rate.

RV Financing Credit Score Graphic

Factors Influencing Interest Rates for RV Loans

  • Credit Score: A higher score can secure lower rates.
  • Credit History: Demonstrated reliability in large purchases boosts favorable rates.
  • Debt-to-Income Ratio and Credit Card Debt: These factors affect rate calculations and loan offers.

RV Loan Amount and Duration

When it comes to financing your RV, the amount you need to borrow and the term of the loan are closely linked. At Courvelle’s RV, we guide you through options that fit the price of the RV you choose. For instance, loans over $50,000 can be extended up to 20 years, making monthly payments more manageable. For amounts between $25,000 and $50,000, terms can go up to 15 years, and for those between $10,000 and $25,000, up to 12 years. This flexibility helps make RV ownership accessible and affordable, whether you’re buying new or used.

The total amount financed influences the loan term:

  • Over $50K: Up to 20 years.
  • $25K – $50K: Up to 15 years.
  • $10K – $25K: Up to 12 years.
Need help figuring all this out? That’s what we’re here for at Courvelle's! Contact Us!

RV Loan Down Payment Expectations

Exploring your down payment options for an RV? At Courvelle’s RV, we tailor our advice to help you navigate these choices effectively. Typically, a 10% down payment opens the door to the best financing rates and terms. Reducing the loan to value (LTV) percentage can improve your interest rates and minimize your monthly payments.

However, we understand that not everyone can front the usual down payment. That’s why we’ve partnered with lenders who accommodate various financial situations. For those who qualify, we offer programs through subprime lenders that don’t require any down payment for loans up to $45K. Even more, our prime lenders can extend this no-money-down option up to $100K.

Options for Lower or No Down Payments

Standard Down Payment Guidelines

At Courvelle’s RV, we generally recommend a 10% down payment to secure the best financing terms, reducing the loan to value ratio and potentially improving your interest rates.

Flexible Financing: We offer options for zero down payment through certain subprime lenders up to $45K and prime lenders up to $100K for those who qualify.

At Courvelle’s, we’re committed to finding an RV financing solution that works for you, so you can hit the road in your new or used RV without stretching your budget.
RV Financing Graphic
Trade-In Your Old RV for an Easy Down Payment Option

Are you ready to upgrade you RV but don’t have a cash down payment? Trading in your current RV could be a smart move. At Courvelle’s RV, we make it easy for you to upgrade by applying the value of your trade-in directly toward your purchase. This means you don’t need cash up front and can use your old RV as a down payment for a new one. And our RV trade-in process is simple and quick, therefore you skip the headache of trying to sell it yourself. Plus, you get to jump into your new adventure much faster. So, if you’re eyeing a fresher model or just need a change, let us value your RV and see how your current RV can help make that happen smoothly.

Make Your RV Dreams a Reality with Courvelle’s RV!

Navigating RV financing doesn’t have to be daunting. With the right information and a trusted partner like Courvelle’s RV, you can find the perfect RV financing solution to meet your needs. We’re here to help every step of the way—from choosing the right model to securing the best financing. Whether you’re looking for a new adventure or a mobile home, we’re here to make your dreams a reality. Visit Courvelle’s RV today and let us help you find the perfect financing solution to get you on the road in your dream RV.

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What Is The Best RV For A Retired Couple?

What Is The Best RV For A Retired Couple?

by | Jan 15, 2025 | Courvelle's RV, RV Buying Guide

If you’ve found your way to this blog, chances are you’re a retiree or soon-to-be retiree contemplating the RV life! We happen to think it’s one of the most fun and adventurous ways to spend retired life. You’re no longer required to be in a certain location for your job or income, so it gives you the freedom to hit the road. But what is the best RV for a retired couple? We’re glad you asked.

Best RV Types For Retirees

At Courvelle RV, we’re no strangers to helping retirees live their best lives post-retirement. We’ve matched many retired couples up with the perfect RV for their travels, so we’re happy to pass along our wisdom to help you pick the right retirement RV! Read on to find out what we think is the best RV for a retired couple.

Best RV for a retired couple who loves comfort: Class A

Class A motorhomes are without a doubt one of the most popular RVs among retired couples. This type of rig is perfect for the traveling couple who wants their RV to feel just like home and want to travel for longer amounts of time. These RVs feel the most like a sticks and bricks home thanks to their size and the many amenities that fit inside them. RV life typically requires some downsizing, but the experience will be the most smooth when you opt for a Class A RV. You won’t feel like you’re sacrificing too much when you have amenities like a full size fridge, a king size bed and plenty of storage space.

You can also travel longer in these kinds of rigs thanks to their large holding tanks. You don’t have to hook up to water or sewage as often and it offers you more flexibility to camp somewhere without hookups because you can be self-sufficient for longer. It’s a great solution for being able to camp in your kid’s driveway without having to make trip after trip to the dump station! If convenience and comfortability are most important to you, then this is the best RV for a retired couple like yourselves.

 

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Best RV for a retired couple who wants the best of both worlds: Class C

Many retirees who want the convenience of a motorhome but with a little more maneuverability and a lower cost choose a Class C motorhome. These RVs can range from 20-40 feet in length and are often built on a heavier truck chassis. This allows manufacturers to pack them full of amenities without making them too hard to drive. There’s a learning curve with driving any type of RV, but a Class C can be one of the easier types to adjust to. This is the best RV for a retired couple who loves doesn’t want to overcomplicate their travels but also doesn’t want to sacrifice on comfort. These can be a more affordable option than many other RV options out there, and the RV will also serve as your vehicle for your road trips!

 

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Best RV for a retired couple who wants flexibility and adventure: Travel Trailer

If you’d rather have a towable for your retirement rig, a travel trailer may be the right pick for you. One of the reasons this RV type makes our list is because there’s so much variety within this one category! There’s a travel trailer for every travel style, size and budget. They can be anywhere from 16 to 35 feet long and can be towed by any number of different vehicles depending on the travel trailer you end up with. They also tend to be much cheaper and have much better fuel economy than their towable counterpart, the fifth wheel.

A good reason to opt for a towable RV is to give yourself the flexibility to have whatever adventures you please. When you camp with a travel trailer, you can unhitch your rig from your vehicle at the RV park, and then take your tow vehicle out on the town for more exploring! This kind of flexibility isn’t quite as easy in a motorhome since you’ll have to pack up the rig every time you need to venture out of the RV park. A travel trailer allows you to park it, get it all set up, go off on your adventures and then come back to your home base later on.

 

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Choosing the Best RV Type for You

The truth of the matter is: there isn’t one singular answer to the best RV type out there. The answer depends on your style of camping and what you’re looking for in your RV! The great news is, our experts at Courvellle’s RV are always here to help you through every step of the way towards your dream RV retirement. Let us match you with the perfect RV for your lifestyle goals!

 

Ready to find the perfect RV for retirement?

Let our experts help!