RV Loan Calculator

Calculate monthly payments, total costs, and true cost of RV ownership including storage, maintenance, and usage expenses.

RV Price ($) Enter the purchase price of the RV.

Down Payment ($) Enter your down payment amount (if any).

Trade-in Value ($) Enter the value of your trade-in (if any).

Interest Rate (%) Enter the annual interest rate for the loan.

Loan Term (years) Select the length of your loan term.

Sales Tax Rate (%) Enter the sales tax rate (if applicable).

Dealer Fees ($) Enter any dealer, documentation, or prep fees.

Annual Insurance ($) Enter your annual RV insurance cost.

Annual Storage Fees ($) Enter annual costs for storage when not in use.

Annual Maintenance ($) Enter estimated annual maintenance costs.

Daily Camping/Usage Fee ($) Enter average daily cost for campgrounds or RV parks.

RVs depreciate significantly in the first few years, so consider buying used to avoid the steepest depreciation.
RV loans often have longer terms (10-20 years) than auto loans, but this means more total interest paid.
Many lenders require 10-20% down payment for RV loans.
Don't forget to budget for insurance, storage, maintenance, and campground fees.
Calculate your "cost per night" by dividing annual ownership costs by expected nights of use.
Consider renting an RV first to determine if the RV lifestyle is right for you before committing to purchase.
Many RV owners use their vehicles less than 30 days per year - make sure your usage justifies the investment.