Free calculatorLive resultsSteps and sourcesEmbed on your site, free

Camper Loans Calculator

Camper Loan Calculator works out Payment and Total interest from Vehicle price, Cash down payment and Trade-in value. The default figures on this page give payment of 371.96; change any entry and the result, the working and the sources update together.

Payment

371.96

Auto Loan Calculator

Total interest

14,634.64

Total of payments

44,634.64

Number of payments

120

Payoff time

10 years

Rate per period

0.708333 %

Interest per unit borrowed

0.4878

Interest saved by extra payments

Payments saved

Amount financed

30,000

Sales tax

Trade-in equity applied

Total cost of the vehicle

49,634.64

Cash needed at signing

5,000

Worked out from Standard annuity-immediate payment formula, PMT = P i / (1 - (1+i)^-n) and 2 other sources.

Your figures

Updates as you type

Display currencyFormatting only. This does not change the calculation.

Vehicle price

Cash down payment

Trade-in value

Balance still owed on the trade-in Negative equity is rolled into the new loan.

Sales tax rate (%)State-branded variants pre-fill the state base rate on vehicle purchases as a starting point. Counties and cities frequently add to it, and several states use a separate vehicle excise or title tax instead, so confirm the rate for your address.

Trade-in reduces the taxable amount

Title, registration and dealer fees

Manufacturer rebate Applied after tax, reducing the amount financed.

Annual interest rate (%)The nominal annual rate (APR before fees), not the monthly rate.

Loan term (years)

Term - additional monthsAdded to the term in years, for terms such as 5 years and 6 months. To state a tenure purely in months, set the years to 0 and enter the whole tenure here.

Payment frequency

Extra payment each period Additional principal paid on top of the scheduled payment.

Include the amortisation schedule

How this is worked out

4 steps

Taxable amount = price minus trade-in = 35000
Sales tax at 0% = 0
Amount financed = price 35000 + tax 0 + fees 0 - rebate 0 - down 5000 - trade equity 0 = 30000
Payment on 30000 at 8.5% = 371.96

Amortisation scheduletable

period	payment	interest	principal	balance
1	371.96	212.5	159.46	29,840.54
2	371.96	211.37	160.59	29,679.95
3	371.96	210.23	161.73	29,518.22
4	371.96	209.09	162.87	29,355.35
5	371.96	207.93	164.03	29,191.32
6	371.96	206.77	165.19	29,026.13
7	371.96	205.6	166.36	28,859.77
8	371.96	204.42	167.54	28,692.23
9	371.96	203.24	168.72	28,523.51
10	371.96	202.04	169.92	28,353.59
11	371.96	200.84	171.12	28,182.47
12	371.96	199.63	172.33	28,010.14
13	371.96	198.41	173.55	27,836.59
14	371.96	197.18	174.78	27,661.81
15	371.96	195.94	176.02	27,485.79
16	371.96	194.69	177.27	27,308.52
17	371.96	193.44	178.52	27,130
18	371.96	192.17	179.79	26,950.21
19	371.96	190.9	181.06	26,769.15
20	371.96	189.61	182.35	26,586.8
21	371.96	188.32	183.64	26,403.16
22	371.96	187.02	184.94	26,218.22
23	371.96	185.71	186.25	26,031.97
24	371.96	184.39	187.57	25,844.4
25	371.96	183.06	188.9	25,655.5
26	371.96	181.73	190.23	25,465.27
27	371.96	180.38	191.58	25,273.69
28	371.96	179.02	192.94	25,080.75
29	371.96	177.66	194.3	24,886.45
30	371.96	176.28	195.68	24,690.77
31	371.96	174.89	197.07	24,493.7
32	371.96	173.5	198.46	24,295.24
33	371.96	172.09	199.87	24,095.37
34	371.96	170.68	201.28	23,894.09
35	371.96	169.25	202.71	23,691.38
36	371.96	167.81	204.15	23,487.23
37	371.96	166.37	205.59	23,281.64
38	371.96	164.91	207.05	23,074.59
39	371.96	163.45	208.51	22,866.08
40	371.96	161.97	209.99	22,656.09
41	371.96	160.48	211.48	22,444.61
42	371.96	158.98	212.98	22,231.63
43	371.96	157.47	214.49	22,017.14
44	371.96	155.95	216.01	21,801.13
45	371.96	154.42	217.54	21,583.59
46	371.96	152.88	219.08	21,364.51
47	371.96	151.33	220.63	21,143.88
48	371.96	149.77	222.19	20,921.69
49	371.96	148.2	223.76	20,697.93
50	371.96	146.61	225.35	20,472.58
51	371.96	145.01	226.95	20,245.63
52	371.96	143.41	228.55	20,017.08
53	371.96	141.79	230.17	19,786.91
54	371.96	140.16	231.8	19,555.11
55	371.96	138.52	233.44	19,321.67
56	371.96	136.86	235.1	19,086.57
57	371.96	135.2	236.76	18,849.81
58	371.96	133.52	238.44	18,611.37
59	371.96	131.83	240.13	18,371.24
60	371.96	130.13	241.83	18,129.41
61	371.96	128.42	243.54	17,885.87
62	371.96	126.69	245.27	17,640.6
63	371.96	124.95	247.01	17,393.59
64	371.96	123.2	248.76	17,144.83
65	371.96	121.44	250.52	16,894.31
66	371.96	119.67	252.29	16,642.02
67	371.96	117.88	254.08	16,387.94
68	371.96	116.08	255.88	16,132.06
69	371.96	114.27	257.69	15,874.37
70	371.96	112.44	259.52	15,614.85
71	371.96	110.61	261.35	15,353.5
72	371.96	108.75	263.21	15,090.29
73	371.96	106.89	265.07	14,825.22
74	371.96	105.01	266.95	14,558.27
75	371.96	103.12	268.84	14,289.43
76	371.96	101.22	270.74	14,018.69
77	371.96	99.3	272.66	13,746.03
78	371.96	97.37	274.59	13,471.44
79	371.96	95.42	276.54	13,194.9
80	371.96	93.46	278.5	12,916.4
81	371.96	91.49	280.47	12,635.93
82	371.96	89.5	282.46	12,353.47
83	371.96	87.5	284.46	12,069.01
84	371.96	85.49	286.47	11,782.54
85	371.96	83.46	288.5	11,494.04
86	371.96	81.42	290.54	11,203.5
87	371.96	79.36	292.6	10,910.9
88	371.96	77.29	294.67	10,616.23
89	371.96	75.2	296.76	10,319.47
90	371.96	73.1	298.86	10,020.61
91	371.96	70.98	300.98	9,719.63
92	371.96	68.85	303.11	9,416.52
93	371.96	66.7	305.26	9,111.26
94	371.96	64.54	307.42	8,803.84
95	371.96	62.36	309.6	8,494.24
96	371.96	60.17	311.79	8,182.45
97	371.96	57.96	314	7,868.45
98	371.96	55.73	316.23	7,552.22
99	371.96	53.49	318.47	7,233.75
100	371.96	51.24	320.72	6,913.03
101	371.96	48.97	322.99	6,590.04
102	371.96	46.68	325.28	6,264.76
103	371.96	44.38	327.58	5,937.18
104	371.96	42.06	329.9	5,607.28
105	371.96	39.72	332.24	5,275.04
106	371.96	37.36	334.6	4,940.44
107	371.96	34.99	336.97	4,603.47
108	371.96	32.61	339.35	4,264.12
109	371.96	30.2	341.76	3,922.36
110	371.96	27.78	344.18	3,578.18
111	371.96	25.35	346.61	3,231.57
112	371.96	22.89	349.07	2,882.5
113	371.96	20.42	351.54	2,530.96
114	371.96	17.93	354.03	2,176.93
115	371.96	15.42	356.54	1,820.39
116	371.96	12.89	359.07	1,461.32
117	371.96	10.35	361.61	1,099.71
118	371.96	7.79	364.17	735.54
119	371.96	5.21	366.75	368.79
120	371.4	2.61	368.79	0

Yearly summarytable

year	interest	principal	endingBalance
1	2,473.66	1,989.86	28,010.14
2	2,297.78	2,165.74	25,844.4
3	2,106.35	2,357.17	23,487.23
4	1,897.98	2,565.54	20,921.69
5	1,671.24	2,792.28	18,129.41
6	1,424.4	3,039.12	15,090.29
7	1,155.77	3,307.75	11,782.54
8	863.43	3,600.09	8,182.45
9	545.19	3,918.33	4,264.12
10	198.84	4,264.12	0

Its 4 worked examples are re-run on every release, last on 15 September 2026. What changed

Sources and references

3 sources

Standard annuity-immediate payment formula, PMT = P i / (1 - (1+i)^-n)

Equivalent to the Excel PMT function and to the actuarial present value of a level annuity.

12 CFR Part 1026 (Regulation Z), Appendix J - Annual Percentage Rate Computations

Trade-in sales tax credit varies by state; most states tax price minus trade-in

The tradeInTaxCredit switch selects the treatment for the buyer's jurisdiction.

Keep this result

Save it, change one figure, then compare the two

The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.

1 · Calculate2 · Save3 · Compare4 · Export5 · Share

Scenario name

Saved data retention

Open workspace

What the Camper Loan Calculator calculates

Works out a vehicle loan payment from the price, down payment, trade-in, sales tax and fees, and shows the full cost of the financing.

How to use this Camper Loan Calculator

Enter Vehicle price, Cash down payment, Trade-in value and Balance still owed on the trade-in. Payment updates as you type. Change one figure at a time to see what drives the result.

How the result is worked out

Open “How this is worked out” beside the result for the step-by-step calculation behind Payment, Total interest and Total of payments.

The method follows Standard annuity-immediate payment formula, PMT = P i / (1 - (1+i)^-n), 12 CFR Part 1026 (Regulation Z), Appendix J - Annual Percentage Rate Computations and Trade-in sales tax credit varies by state; most states tax price minus trade-in.

What you can compare

Change one input at a time to see how it affects Payment, Total interest and Total of payments. The inputs you can vary are Vehicle price, Cash down payment, Trade-in value, Balance still owed on the trade-in, Sales tax rate and Trade-in reduces the taxable amount.

Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.

Embed this calculator on your website

Copy this code into any page. The calculator appears with the figures currently entered, sizes itself to fit, and a small credit line links back here. Free, no account, no ads inside it, no tracking of your readers. Set your own figures and fixed fields; Personal removes the credit line, sets your colour and shows you which sites use it.

<iframe src="https://calculatorfox.org/embed/v1/camper-loans-calculator" title="Camper Loans Calculator" style="width:100%;min-height:520px;border:0" loading="lazy" referrerpolicy="strict-origin-when-cross-origin"></iframe>
<p class="calculatorfox-credit">Calculator by <a href="https://calculatorfox.org/camper-loans-calculator">CalculatorFox</a></p>
<script src="https://calculatorfox.org/assets/js/embed-host.js" async></script>

Preview

See something wrong? Report a problem with this calculator

Frequently asked questions

What's the average interest rate on a camper loan?

On the figures this page opens with — vehicle price 35,000, cash down payment 5,000, annual interest rate 7.5% and loan term 5 years — the payment is 371.96. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.

How much is a monthly payment on a $100,000 RV?

It needs Vehicle price, Cash down payment, Trade-in value, Balance still owed on the trade-in, Sales tax rate and Trade-in reduces the taxable amount. Nothing else is required, and the figures stay in your browser.

What is a typical loan term for a camper?

The result gives Payment, Total interest, Total of payments, Number of payments, Payoff time and Rate per period, each labelled with its unit so the figure can be read on its own.

Is it easy to finance a camper?

Works out a vehicle loan payment from the price, down payment, trade-in, sales tax and fees, and shows the full cost of the financing. On the figures this page opens with — vehicle price 35,000, cash down payment 5,000 and annual interest rate 7.5% — the payment is 371.96. Put your own figures in their place and the working updates beside the result.

What is a good interest rate on a camper loan?

Works out a vehicle loan payment from the price, down payment, trade-in, sales tax and fees, and shows the full cost of the financing. On this page it is computed from Vehicle price, Cash down payment and Trade-in value and shown as Payment, Total interest and Total of payments.

How do I calculate the loan payment for an RV?

Works out a vehicle loan payment from the price, down payment, trade-in, sales tax and fees, and shows the full cost of the financing. Open “How this is worked out” beside the result to see each step for your own figures.

Related calculators

Camper Finance CalculatorLoans, Credit & Banking Finance Travel Trailer CalculatorLoans, Credit & Banking Loans Motorhomes CalculatorLoans, Credit & Banking Loan CalculatorLoans, Credit & Banking

View all related calculators10 more

Car Used Loan CalculatorLoans, Credit & Banking Ammonization CalculatorLoans, Credit & Banking Mortgage Payment CalculatorLoans, Credit & Banking Home Loans UK CalculatorLoans, Credit & Banking FHA Home Loans CalculatorLoans, Credit & Banking VA Home Loans CalculatorLoans, Credit & Banking Business Property Loans CalculatorLoans, Credit & Banking Manufactured Home Loans CalculatorLoans, Credit & Banking EMI CalculatorLoans, Credit & Banking Average CalculatorMath & Algebra