RV Loan Calculator
Calculate your monthly RV loan payment including sales tax, fees, and trade-in value. Compare different loan terms to find the best financing option for your recreational vehicle.
Loan Details
Monthly Payment
$1,007.34
Total Loan Amount
$70,100.00
Total Interest Paid
$14,516.56
Total Cost of Ownership
$100,616.56
Payment Breakdown
Monthly Payment by Loan Term
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Tip: Shorter loan terms have higher monthly payments but save significantly on total interest. A 3-year loan saves $15,090 in interest compared to 10 years.
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100% Client-Side Calculations: All calculations are performed locally in your browser. We do not collect, store, or transmit any of your financial data to our servers. Your information stays completely private and secure on your device. This calculator works offline once loaded.
Important Disclaimer
Not Financial Advice: This calculator provides estimates for educational and informational purposes only.
- Results are based on the information you provide
- Actual results may vary based on individual circumstances
- Consult a qualified professional before making financial decisions
Calculation History
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How RV Financing Works
RV loans work similarly to auto loans, with monthly payments calculated based on the loan amount, interest rate, and term length. The total amount financed includes the RV price plus sales tax and fees, minus your down payment and any trade-in value.
Smart Financing Tips
- •Larger down payments reduce monthly costs and interest
- •Credit unions often offer better RV loan rates than dealers
- •Shorter terms save thousands in total interest paid
- •Trade-ins reduce the taxable amount in most states
Important Considerations
- •Factor in insurance, storage, and maintenance costs
- •New RVs typically qualify for longer loan terms
- •RV loan interest may be tax-deductible if it's a second home
- •Get pre-approved to negotiate better at the dealership
Partner Spotlight
Planning for RV ownership beyond the monthly payment? Explore AssetDropper for tools that track vehicle depreciation and fuel budgeting.