RV financing calculator
Estimate a monthly RV loan payment. Enter the price, down payment, trade-in, sales tax, fees, interest rate and loan term to see the payment, the amount financed and the total interest.
Estimating for the 2027 Heartland Prowler 1300RD (West), starting from its manufacturer price.
Payment calculator
Adjust price, down payment, rate and termTap to adjust$206/mo10 years at 8.99% APR
- Amount financed
- $16,261
- Total interest
- $8,447
- Total of payments
- $24,708
About this estimate
- An estimate for comparison only, not a loan offer. Your rate and term depend on credit, lender, down payment and the RV.
- Starts from the manufacturer price.
- Sales tax is applied to the price minus the trade-in value. Some states tax RVs differently.
- Tax and fees are added to the amount financed.
- Typical terms used: 10 years under $25,000 financed, 15 years up to $100,000 and 20 years above.
How the payment is calculated
The amount financed is the RV price plus sales tax and fees, minus your down payment and trade-in value. Sales tax is applied to the price after the trade-in value is subtracted. The monthly payment is a standard fixed-rate loan payment on that amount for the term you choose.
Choosing a loan term
RV loans often run longer than car loans. When you leave the term on “Typical for this amount”, the calculator uses 10 years when less than $25,000 is financed, 15 years up to $100,000 and 20 years above that. A longer term lowers the monthly payment but increases the total interest you pay.
Before you finance
- This is an estimate, not a loan offer. Your rate depends on your credit, the lender, the down payment, the term and the RV.
- Sales tax and fees vary by state. Some states tax RVs differently from cars.
- Advertised dealer prices may already include some fees, so check what a price includes before adding fees again.