Free & Instant

RV Loan Calculator

Estimate your monthly payment, total interest, and full amortization schedule in seconds — no signup required.

Enter Loan Details

$
Total RV purchase price before down payment & tax
$
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Switch between $ and % — both fields stay in sync
🗺️ Find by State →
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Optional — added to purchase price before financing. View all state rates →
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Your Loan Summary

Monthly Payment —
Loan Amount —
Down Payment —
Sales Tax —
Total Interest —
Total Cost —
Payoff Date —

👆 Fill in your loan details and click Calculate Payment

How to Use the RV Loan Calculator

Enter the RV purchase price, your down payment (in dollars or percentage), your state's sales tax rate, the lender's annual interest rate, and choose a loan term. Click Calculate Payment to see your estimated monthly payment, total interest, sales tax amount, and a full month-by-month amortization schedule.

Toggle between dollar and percentage down payment modes — both fields stay in sync. Not sure about your state's sales tax? Look up your state's RV sales tax rate →

Read our RV financing guides →
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Improve Your Rate

A credit score above 720 typically qualifies for the lowest RV loan rates. Pay down existing debt before applying.

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Shorter = Less Interest

A 10-year term vs. 20 years can save tens of thousands in interest, though monthly payments will be higher.

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Don't Forget Sales Tax

Sales tax can add thousands to your financed amount. Find your state's RV sales tax rate →

Frequently Asked Questions

What is a good interest rate for an RV loan?

Good RV loan rates typically range from 6% to 10% APR for borrowers with a credit score above 700. Rates vary based on your credit profile, the loan term, whether the RV is new or used, and the lending institution.

How long can you finance an RV?

RV loan terms commonly range from 10 to 20 years. Longer terms lower monthly payments but increase total interest paid.

How much should I put down on an RV?

Most lenders recommend a down payment of 10–20% of the RV purchase price. Use our calculator's percentage mode to see the exact dollar amount for any percentage.

Do I pay sales tax when buying an RV?

Yes — most U.S. states charge sales tax on RV purchases ranging from 0% to over 9%. The tax is typically added to your financed amount, so you pay interest on it too. See RV sales tax rates by state →

Can I deduct RV loan interest on my taxes?

If your RV qualifies as a second home (sleeping, cooking, and toilet facilities), the loan interest may be tax-deductible. Consult a tax professional for advice specific to your situation.

Is it hard to get financing for an RV?

RV financing is generally accessible for buyers with a credit score of 660 or higher. Specialty RV lenders, banks, and credit unions all offer RV loans.

RV Financing Resources

View all articles →
Financing Tips

How to Get the Best RV Loan Rates in 2026

Discover the key factors that determine your RV loan interest rate and actionable steps to secure the lowest rate possible.

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Down Payment

RV Loan Down Payment Guide: How Much Do You Need?

From minimum requirements to how your down payment (in $ or %) affects your loan terms and total cost.

Read Article →
Sales Tax

RV Sales Tax Rates by State (2026 Guide)

Every U.S. state's RV sales tax rate in one place — plus how tax affects your financed loan amount.

Read Article →