RV Loan Calculator
Calculate monthly payments for your RV, camper, or motorhome loan. Enter the loan details below to see your estimated payment and total cost.
Total amount you need to finance
Annual Percentage Rate (APR)
What credit score do I need for an RV loan?
Most lenders require a minimum credit score of 660-700 for RV loans. Higher scores (720+) qualify for the best rates. Some lenders offer financing for scores as low as 550, but with higher interest rates.
How much should I put down on an RV?
A typical down payment for an RV is 10-20% of the purchase price. Larger down payments result in lower monthly payments and less interest paid over the life of the loan.
What is a typical RV loan interest rate?
RV loan rates typically range from 5-12% APR depending on credit score, loan amount, loan term, and whether the RV is new or used. Excellent credit can secure rates around 5-7%.
Can I get a 20-year RV loan?
Yes, some lenders offer RV loans up to 20 years for higher-priced RVs (usually $50,000+). Longer terms mean lower monthly payments but significantly more interest paid over time.