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RV Loan Calculator

Estimate the monthly payment and total interest on a motorhome or travel-trailer loan. RV loans run long, so the term makes a big difference to what you pay.

Loan details

Everything updates instantly and stays in your browser.

%
%
months
Common terms
$0

Your payment

Financing $78,750 after down payment and trade-in.

Monthly payment

$775.48

over 15 years · $78,750 financed

Total interest

$60,837

Total paid

$139,587

Payoff time

15 years

Year-by-year principal, interest, and remaining balance.
YearPrincipalInterestBalance
1$2,716$6,590$76,034
2$2,956$6,349$73,077
3$3,218$6,088$69,860
4$3,502$5,804$66,358
5$3,812$5,494$62,546
6$4,149$5,157$58,398
7$4,515$4,791$53,882
8$4,914$4,391$48,968
9$5,349$3,957$43,619
10$5,821$3,484$37,798
11$6,336$2,970$31,462
12$6,896$2,410$24,566
13$7,506$1,800$17,060
14$8,169$1,137$8,891
15$8,891$415$0

Estimates for a fixed-rate, fully-amortizing loan. Your actual rate, fees, and terms depend on the lender and your credit.

Why the term matters so much on an RV

RV loans stretch far longer than car loans, and that long horizon is where the interest hides. A 20-year loan keeps the monthly payment low, but you can end up paying nearly as much in interest as the RV cost. The year-by-year schedule above shows exactly how slowly the balance falls in the early years.

Example

A $75,000 motorhome at 8.5% over 15 years is around $740 a month — and more than $58,000 in interest across the life of the loan. Adding even $150 a month can cut years off the term and save five figures.

Keep the total cost in view

Before financing, make sure the payment leaves room for insurance, storage, and fuel in your monthly budget. Compare against a shorter boat loan or a standard auto loan if you're weighing options.

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Frequently asked questions

How long are RV loan terms?
RV loans are unusually long — 10 to 20 years is common, and large motorhomes can go longer. The long term keeps the monthly payment manageable but piles up interest, so paying extra makes a real dent.
What credit score do I need for an RV loan?
Most lenders want good-to-excellent credit (roughly 680+) for the best rates on a large RV loan. Lower scores can still qualify but at higher APRs and with a larger down payment.
Is RV loan interest tax-deductible?
It can be. If the RV has sleeping, cooking, and toilet facilities, it may qualify as a second home, making the loan interest potentially deductible. Rules change and depend on your situation — confirm with a tax professional.