How to Sell a Camper with a Lien

If you are looking to sell your camper but still owe money on it, this can make the process a little more complicated. However, it is not impossible, and there are steps you can take to make sure you can sell your camper and pay off your remaining balance.

In this post, we will provide you with a definitive guide to selling your camper with a lien.

1. Determine Your Current Loan Balance

Before putting your camper for sale, you need to know exactly how much you owe on the loan. Contact your lender and get a payoff quote that includes any additional charges such as late fees or finance charges. This will give you a clear idea of how much you need to sell the camper for to pay off the loan.

2. Find a Buyer

When selling a camper with a lien, you need to find a buyer who is willing to purchase a vehicle with an outstanding balance. Advertise your camper on websites that specialize in RV sales like RV Trader or Craigslist and be honest about the lien. Many buyers will still be interested in purchasing if the price is right.

3. Finishing the Transaction

Since you owe money on the camper, the transaction will be a bit trickier than a regular sale. Work with the buyer to make sure that the payment goes directly to the lender for your loan. This will help ensure that your loan gets paid off and the sale is legally binding.

4. Selling with Negative Equity

If you owe more than the RV’s current value, you may need to come up with the difference to pay off your loan. You have a few options, such as increasing the sale price, paying out the money you owe at the time of the sale, or negotiating with your lender. A buyer who is a friend or a family member may help you with the additional funding.

5. Proper Documentation

Before you make a sale, you need to have all the documentation in order. This includes the RV title and registration, copies of the loan paperwork, and a bill of sale that describes the terms of the sale. Make sure to have all documentation and paperwork reviewed by a professional to ensure that everything is in order.


Selling your camper with a lien can be a bit more complicated than a traditional sale, but with the proper preparations, you can make sure that the sale goes smoothly, and you pay off your loan. Keep in mind that honesty and clear communication with the buyer and your lender are essential to make sure all parties involved are protected legally.

By following these steps, you can successfully sell your camper with a lien, and move on to your next adventure.

Dennis Noble

Dennis Noble

Hi, my name is Dennis and I am an avid outdoor enthusiast. I love exploring the great outdoors and have been passionate about camping since a young age. As a writer for a camping blog, I get to share my experiences and knowledge with others who are just as passionate – it gives me a great sense of joy! I'm always seeking new adventures and places to explore; whether it's visiting stunning national parks or simply getting out in nature for the day.

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