RV Loan Calculator
Calculate monthly RV loan payments and total cost of ownership. Compare financing options for motorhomes, travel trailers, and campers with terms up to 20 years.
20.0% down
RV loans: typically 5-8% for new, 7-12% for used
Up to 20 years for newer, expensive RVs
RV Loan Payment
Monthly Payment
$663.31
Total Interest
$31,016.04
Over 12 years
Total Cost
$110,516.04
Price + tax + interest
Potential Tax Benefit
If your RV has sleeping, cooking, and toilet facilities, you may be able to deduct mortgage interest as a second home. Consult a tax professional.
Loan Term Comparison
| Term | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|
| 5 years | $1,277 | $12,131 | $91,631 |
| 10 years | $749 | $25,368 | $104,868 |
| 15 years | $580 | $39,854 | $119,354 |
| 20 years | $500 | $55,516 | $135,016 |
RV Financing Tips
- •10-20% down payment typically required for best rates
- •New RVs depreciate fast: Can lose 20-30% value in first year
- •Credit unions often have best rates for RV financing
- •Budget for extras: Insurance, storage, maintenance, campground fees
- •Consider how often you'll use it: Renting may be cheaper for occasional use
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How to Use This RV Loan Calculator
This free rv loan calculator helps you make informed financial decisions. Simply enter your values above and see your results instantly - no signup required.
Why Use Our Calculator?
- •Instant Results: See calculations update in real-time as you adjust values
- •Visual Charts: Understand your finances with interactive visualizations
- •Mobile Friendly: Works perfectly on any device
- •100% Free: No hidden fees or signup required