How To Sell A Camper You Still Owe Money On: Quick Guide

Selling a camper that you still owe money on can be a bit daunting, but it’s definitely possible.

Here’s a quick guide to help you through the process:

1. Get a payoff quote from your lender.
This will tell you how much money you still owe on your camper and what the interest rate is.

2. Determine your selling price.
Once you know how much you owe on your camper, you can start to think about how much you want to sell it for. It’s important to price your camper competitively, but you also don’t want to sell it for less than you owe.

3. List your camper for sale.
There are a number of places where you can list your camper for sale, including online marketplaces, RV dealerships, and private sales. Be sure to include clear photos and a detailed description of your camper in your listing.

4. Show your camper to potential buyers.
Once you start getting inquiries from potential buyers, it’s time to start scheduling showings. Be sure to clean and prepare your camper for each showing.

5. Negotiate a sales price.
Once you find a buyer who is interested in your camper, you’ll need to negotiate a sales price. Keep in mind that you may need to negotiate the terms of the sale as well, such as how the buyer will pay you and how the loan will be transferred.

6. Close the sale.
Once you’ve reached an agreement with the buyer, you’ll need to close the sale. This typically involves signing a purchase agreement and transferring the title of the camper to the buyer.

Tips from my own personal experience

Here are a few tips from my own personal experience in selling a camper that I still owed money on:

  • Be honest with the buyer. Let the buyer know that you still owe money on the camper and how much you owe. This will help to avoid any surprises down the road.
  • Be flexible with the terms of the sale. You may need to be willing to negotiate on the price, the payment terms, or the date of the sale.
  • Get everything in writing. Once you’ve reached an agreement with the buyer, be sure to get everything in writing. This will help to protect both you and the buyer in case there are any problems down the road.


What happens if I sell my camper for less than I owe on it?

If you sell your camper for less than you owe on it, you will be responsible for paying the difference to your lender. This is known as a deficiency balance.

Can I transfer my loan to the buyer?

Yes, you can often transfer your loan to the buyer. However, this will need to be approved by your lender.

What if the buyer doesn’t qualify for a loan?

If the buyer doesn’t qualify for a loan, you may need to find a different buyer or you may need to finance the sale yourself.

Selling a camper that you still owe money on can be a bit of a hassle, but it’s definitely possible. By following the tips above, you can make the process as smooth as possible.

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