I purchased a 2007 Fleetwood Revolution LE with 42k miles on it for 99k, put down 12k and financed the balance for 15yr @ 4.5%. It was a bank which I had no relation to but do have a high income and IRA's which each would cover the loan if needed. That isn't everyone but yes it can be done, just do a lot of searching and possibly consider consignment selling through a good dealer.