RV Loan Calculator
Estimate your monthly RV loan payment and total cost for a motorhome, travel trailer or fifth wheel.
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About the RV Loan Calculator
This RV loan calculator estimates the payment on a motorhome, travel trailer, fifth wheel or camper van. RV loans commonly run 10 to 20 years for larger rigs, with down payments of 10% to 20%. Enter your price, rate and term to see the monthly payment, interest and total cost, including sales tax and fees.
How to use it
- Enter the rv price, down payment, APR and loan term.
- Add sales tax, fees and an optional extra monthly payment.
- Press Calculate rv loan to see the payment, interest and total cost.
RV financing basics
| Item | Typical range |
|---|---|
| Down payment | 10% to 20% |
| Loan term | 10 to 20 years for larger RVs |
| Insurance | Required by lenders |
| Other costs | Storage, fuel, maintenance, campground fees |
Tips before you buy an RV
- Budget for the full cost of ownership, not only the payment.
- Compare dealer financing with credit union offers.
- Check weight and towing limits for your vehicle.
- Consider renting first to confirm the lifestyle.
Frequently asked questions
How much is a monthly RV payment?
An $85,000 RV with 10% down at 8.25% for 15 years is roughly $800 a month with 6% sales tax and fees, before insurance and storage.
How long can you finance an RV?
Terms of 10 to 20 years are common for newer, higher-priced RVs. Smaller or used units get shorter terms.
What credit score do I need for an RV loan?
Many lenders prefer scores in the mid-600s or higher for the best rates.
Is RV loan interest tax deductible?
It may be if the RV qualifies as a second home with sleeping, cooking and toilet facilities. Ask a tax professional.
Do RVs lose value fast?
Yes. Many RVs depreciate quickly, so a larger down payment and shorter term help avoid owing more than the RV is worth.
Last reviewed: November 2026. Estimates only, not financial, tax or legal advice.