Class A RV Loan Calculator
Class A motorhomes are the largest and most expensive RVs on the road. New units range from around $100,000 for a gas-powered entry model to well over $300,000 for a diesel pusher with residential finishes. Because loan amounts are higher, the interest rate and term length have a bigger impact on your total cost than with smaller RV types.
Most lenders offer 15- to 20-year terms on Class A loans above $50,000. Longer terms cut the monthly payment but add tens of thousands in interest. Use this calculator to compare terms side by side and find the balance between an affordable payment and a reasonable total cost.
The default values below are set for a typical new Class A motorhome purchase - $150,000 price, $30,000 down (20%), 6.5% APR, and a 20-year term. Adjust them to match your deal and see exactly what you would pay.
Your Estimated Payment
| Line Item | Amount |
|---|---|
| RV Price | $150,000 |
| Down Payment | −$30,000 |
| Loan Amount | $120,000 |
20 years at 6.5% APR
View Amortization Schedule (240 months)
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $895 | $245 | $650 | $119,755 |
| 2 | $895 | $246 | $649 | $119,509 |
| 3 | $895 | $247 | $647 | $119,262 |
| 4 | $895 | $249 | $646 | $119,013 |
| 5 | $895 | $250 | $645 | $118,763 |
| 6 | $895 | $251 | $643 | $118,512 |
| 7 | $895 | $253 | $642 | $118,259 |
| 8 | $895 | $254 | $641 | $118,005 |
| 9 | $895 | $255 | $639 | $117,749 |
| 10 | $895 | $257 | $638 | $117,493 |
| 11 | $895 | $258 | $636 | $117,234 |
| 12 | $895 | $260 | $635 | $116,975 |
| 13 | $895 | $261 | $634 | $116,714 |
| 14 | $895 | $262 | $632 | $116,451 |
| 15 | $895 | $264 | $631 | $116,187 |
| 16 | $895 | $265 | $629 | $115,922 |
| 17 | $895 | $267 | $628 | $115,655 |
| 18 | $895 | $268 | $626 | $115,387 |
| 19 | $895 | $270 | $625 | $115,117 |
| 20 | $895 | $271 | $624 | $114,846 |
| 21 | $895 | $273 | $622 | $114,573 |
| 22 | $895 | $274 | $621 | $114,299 |
| 23 | $895 | $276 | $619 | $114,024 |
| 24 | $895 | $277 | $618 | $113,747 |
| 25 | $895 | $279 | $616 | $113,468 |
| 26 | $895 | $280 | $615 | $113,188 |
| 27 | $895 | $282 | $613 | $112,907 |
| 28 | $895 | $283 | $612 | $112,623 |
| 29 | $895 | $285 | $610 | $112,339 |
| 30 | $895 | $286 | $608 | $112,053 |
| 31 | $895 | $288 | $607 | $111,765 |
| 32 | $895 | $289 | $605 | $111,476 |
| 33 | $895 | $291 | $604 | $111,185 |
| 34 | $895 | $292 | $602 | $110,892 |
| 35 | $895 | $294 | $601 | $110,598 |
| 36 | $895 | $296 | $599 | $110,303 |
| 37 | $895 | $297 | $597 | $110,005 |
| 38 | $895 | $299 | $596 | $109,707 |
| 39 | $895 | $300 | $594 | $109,406 |
| 40 | $895 | $302 | $593 | $109,104 |
| 41 | $895 | $304 | $591 | $108,800 |
| 42 | $895 | $305 | $589 | $108,495 |
| 43 | $895 | $307 | $588 | $108,188 |
| 44 | $895 | $309 | $586 | $107,879 |
| 45 | $895 | $310 | $584 | $107,569 |
| 46 | $895 | $312 | $583 | $107,257 |
| 47 | $895 | $314 | $581 | $106,943 |
| 48 | $895 | $315 | $579 | $106,628 |
| 49 | $895 | $317 | $578 | $106,311 |
| 50 | $895 | $319 | $576 | $105,992 |
| 51 | $895 | $321 | $574 | $105,671 |
| 52 | $895 | $322 | $572 | $105,349 |
| 53 | $895 | $324 | $571 | $105,025 |
| 54 | $895 | $326 | $569 | $104,699 |
| 55 | $895 | $328 | $567 | $104,372 |
| 56 | $895 | $329 | $565 | $104,042 |
| 57 | $895 | $331 | $564 | $103,711 |
| 58 | $895 | $333 | $562 | $103,378 |
| 59 | $895 | $335 | $560 | $103,043 |
| 60 | $895 | $337 | $558 | $102,707 |
| 61 | $895 | $338 | $556 | $102,369 |
| 62 | $895 | $340 | $554 | $102,028 |
| 63 | $895 | $342 | $553 | $101,686 |
| 64 | $895 | $344 | $551 | $101,342 |
| 65 | $895 | $346 | $549 | $100,997 |
| 66 | $895 | $348 | $547 | $100,649 |
| 67 | $895 | $350 | $545 | $100,300 |
| 68 | $895 | $351 | $543 | $99,948 |
| 69 | $895 | $353 | $541 | $99,595 |
| 70 | $895 | $355 | $539 | $99,240 |
| 71 | $895 | $357 | $538 | $98,883 |
| 72 | $895 | $359 | $536 | $98,523 |
| 73 | $895 | $361 | $534 | $98,162 |
| 74 | $895 | $363 | $532 | $97,799 |
| 75 | $895 | $365 | $530 | $97,435 |
| 76 | $895 | $367 | $528 | $97,068 |
| 77 | $895 | $369 | $526 | $96,699 |
| 78 | $895 | $371 | $524 | $96,328 |
| 79 | $895 | $373 | $522 | $95,955 |
| 80 | $895 | $375 | $520 | $95,580 |
| 81 | $895 | $377 | $518 | $95,203 |
| 82 | $895 | $379 | $516 | $94,824 |
| 83 | $895 | $381 | $514 | $94,443 |
| 84 | $895 | $383 | $512 | $94,060 |
| 85 | $895 | $385 | $509 | $93,675 |
| 86 | $895 | $387 | $507 | $93,287 |
| 87 | $895 | $389 | $505 | $92,898 |
| 88 | $895 | $391 | $503 | $92,506 |
| 89 | $895 | $394 | $501 | $92,113 |
| 90 | $895 | $396 | $499 | $91,717 |
| 91 | $895 | $398 | $497 | $91,319 |
| 92 | $895 | $400 | $495 | $90,919 |
| 93 | $895 | $402 | $492 | $90,517 |
| 94 | $895 | $404 | $490 | $90,113 |
| 95 | $895 | $407 | $488 | $89,706 |
| 96 | $895 | $409 | $486 | $89,297 |
| 97 | $895 | $411 | $484 | $88,886 |
| 98 | $895 | $413 | $481 | $88,473 |
| 99 | $895 | $415 | $479 | $88,058 |
| 100 | $895 | $418 | $477 | $87,640 |
| 101 | $895 | $420 | $475 | $87,220 |
| 102 | $895 | $422 | $472 | $86,798 |
| 103 | $895 | $425 | $470 | $86,373 |
| 104 | $895 | $427 | $468 | $85,946 |
| 105 | $895 | $429 | $466 | $85,517 |
| 106 | $895 | $431 | $463 | $85,086 |
| 107 | $895 | $434 | $461 | $84,652 |
| 108 | $895 | $436 | $459 | $84,216 |
| 109 | $895 | $439 | $456 | $83,777 |
| 110 | $895 | $441 | $454 | $83,336 |
| 111 | $895 | $443 | $451 | $82,893 |
| 112 | $895 | $446 | $449 | $82,447 |
| 113 | $895 | $448 | $447 | $81,999 |
| 114 | $895 | $451 | $444 | $81,549 |
| 115 | $895 | $453 | $442 | $81,096 |
| 116 | $895 | $455 | $439 | $80,640 |
| 117 | $895 | $458 | $437 | $80,182 |
| 118 | $895 | $460 | $434 | $79,722 |
| 119 | $895 | $463 | $432 | $79,259 |
| 120 | $895 | $465 | $429 | $78,794 |
| 121 | $895 | $468 | $427 | $78,326 |
| 122 | $895 | $470 | $424 | $77,856 |
| 123 | $895 | $473 | $422 | $77,383 |
| 124 | $895 | $476 | $419 | $76,907 |
| 125 | $895 | $478 | $417 | $76,429 |
| 126 | $895 | $481 | $414 | $75,948 |
| 127 | $895 | $483 | $411 | $75,465 |
| 128 | $895 | $486 | $409 | $74,979 |
| 129 | $895 | $489 | $406 | $74,490 |
| 130 | $895 | $491 | $403 | $73,999 |
| 131 | $895 | $494 | $401 | $73,505 |
| 132 | $895 | $497 | $398 | $73,009 |
| 133 | $895 | $499 | $395 | $72,510 |
| 134 | $895 | $502 | $393 | $72,008 |
| 135 | $895 | $505 | $390 | $71,503 |
| 136 | $895 | $507 | $387 | $70,996 |
| 137 | $895 | $510 | $385 | $70,486 |
| 138 | $895 | $513 | $382 | $69,973 |
| 139 | $895 | $516 | $379 | $69,457 |
| 140 | $895 | $518 | $376 | $68,938 |
| 141 | $895 | $521 | $373 | $68,417 |
| 142 | $895 | $524 | $371 | $67,893 |
| 143 | $895 | $527 | $368 | $67,366 |
| 144 | $895 | $530 | $365 | $66,836 |
| 145 | $895 | $533 | $362 | $66,304 |
| 146 | $895 | $536 | $359 | $65,768 |
| 147 | $895 | $538 | $356 | $65,230 |
| 148 | $895 | $541 | $353 | $64,688 |
| 149 | $895 | $544 | $350 | $64,144 |
| 150 | $895 | $547 | $347 | $63,597 |
| 151 | $895 | $550 | $344 | $63,047 |
| 152 | $895 | $553 | $342 | $62,493 |
| 153 | $895 | $556 | $339 | $61,937 |
| 154 | $895 | $559 | $335 | $61,378 |
| 155 | $895 | $562 | $332 | $60,816 |
| 156 | $895 | $565 | $329 | $60,251 |
| 157 | $895 | $568 | $326 | $59,682 |
| 158 | $895 | $571 | $323 | $59,111 |
| 159 | $895 | $574 | $320 | $58,536 |
| 160 | $895 | $578 | $317 | $57,959 |
| 161 | $895 | $581 | $314 | $57,378 |
| 162 | $895 | $584 | $311 | $56,794 |
| 163 | $895 | $587 | $308 | $56,207 |
| 164 | $895 | $590 | $304 | $55,617 |
| 165 | $895 | $593 | $301 | $55,023 |
| 166 | $895 | $597 | $298 | $54,427 |
| 167 | $895 | $600 | $295 | $53,827 |
| 168 | $895 | $603 | $292 | $53,224 |
| 169 | $895 | $606 | $288 | $52,617 |
| 170 | $895 | $610 | $285 | $52,008 |
| 171 | $895 | $613 | $282 | $51,395 |
| 172 | $895 | $616 | $278 | $50,778 |
| 173 | $895 | $620 | $275 | $50,159 |
| 174 | $895 | $623 | $272 | $49,536 |
| 175 | $895 | $626 | $268 | $48,909 |
| 176 | $895 | $630 | $265 | $48,280 |
| 177 | $895 | $633 | $262 | $47,646 |
| 178 | $895 | $637 | $258 | $47,010 |
| 179 | $895 | $640 | $255 | $46,370 |
| 180 | $895 | $644 | $251 | $45,726 |
| 181 | $895 | $647 | $248 | $45,079 |
| 182 | $895 | $651 | $244 | $44,429 |
| 183 | $895 | $654 | $241 | $43,775 |
| 184 | $895 | $658 | $237 | $43,117 |
| 185 | $895 | $661 | $234 | $42,456 |
| 186 | $895 | $665 | $230 | $41,791 |
| 187 | $895 | $668 | $226 | $41,123 |
| 188 | $895 | $672 | $223 | $40,451 |
| 189 | $895 | $676 | $219 | $39,776 |
| 190 | $895 | $679 | $215 | $39,096 |
| 191 | $895 | $683 | $212 | $38,413 |
| 192 | $895 | $687 | $208 | $37,727 |
| 193 | $895 | $690 | $204 | $37,036 |
| 194 | $895 | $694 | $201 | $36,342 |
| 195 | $895 | $698 | $197 | $35,644 |
| 196 | $895 | $702 | $193 | $34,943 |
| 197 | $895 | $705 | $189 | $34,237 |
| 198 | $895 | $709 | $185 | $33,528 |
| 199 | $895 | $713 | $182 | $32,815 |
| 200 | $895 | $717 | $178 | $32,098 |
| 201 | $895 | $721 | $174 | $31,377 |
| 202 | $895 | $725 | $170 | $30,653 |
| 203 | $895 | $729 | $166 | $29,924 |
| 204 | $895 | $733 | $162 | $29,191 |
| 205 | $895 | $737 | $158 | $28,455 |
| 206 | $895 | $741 | $154 | $27,714 |
| 207 | $895 | $745 | $150 | $26,970 |
| 208 | $895 | $749 | $146 | $26,221 |
| 209 | $895 | $753 | $142 | $25,468 |
| 210 | $895 | $757 | $138 | $24,712 |
| 211 | $895 | $761 | $134 | $23,951 |
| 212 | $895 | $765 | $130 | $23,186 |
| 213 | $895 | $769 | $126 | $22,417 |
| 214 | $895 | $773 | $121 | $21,644 |
| 215 | $895 | $777 | $117 | $20,866 |
| 216 | $895 | $782 | $113 | $20,084 |
| 217 | $895 | $786 | $109 | $19,299 |
| 218 | $895 | $790 | $105 | $18,508 |
| 219 | $895 | $794 | $100 | $17,714 |
| 220 | $895 | $799 | $96 | $16,915 |
| 221 | $895 | $803 | $92 | $16,112 |
| 222 | $895 | $807 | $87 | $15,305 |
| 223 | $895 | $812 | $83 | $14,493 |
| 224 | $895 | $816 | $78 | $13,677 |
| 225 | $895 | $821 | $74 | $12,856 |
| 226 | $895 | $825 | $70 | $12,031 |
| 227 | $895 | $830 | $65 | $11,202 |
| 228 | $895 | $834 | $61 | $10,368 |
| 229 | $895 | $839 | $56 | $9,529 |
| 230 | $895 | $843 | $52 | $8,686 |
| 231 | $895 | $848 | $47 | $7,838 |
| 232 | $895 | $852 | $42 | $6,986 |
| 233 | $895 | $857 | $38 | $6,129 |
| 234 | $895 | $861 | $33 | $5,268 |
| 235 | $895 | $866 | $29 | $4,402 |
| 236 | $895 | $871 | $24 | $3,531 |
| 237 | $895 | $876 | $19 | $2,655 |
| 238 | $895 | $880 | $14 | $1,775 |
| 239 | $895 | $885 | $10 | $890 |
| 240 | $895 | $890 | $5 | $0 |
Example: 2025 Gas Class A Motorhome
- RV Price: $150,000
- Down Payment: $30,000 (20%)
- APR: 6.5%
- Term: 240 months (20 years)
Monthly payment: ~$893/mo. Total interest: ~$94,300. Total cost: ~$244,300. Bumping the down payment to $40,000 drops the payment to ~$819/mo and saves about $8,900 in interest. If you shorten the term to 15 years the payment rises to ~$1,046/mo but you save over $37,000 in total interest.
What This Calculator Includes
- Down payment. Enter any amount to see how it affects your monthly payment and total interest.
- Interest rate. Adjust the APR to compare offers from different lenders or credit tiers.
- Amortization schedule. See a month-by-month breakdown of principal and interest for the full loan term.
- Extra payments. Open the optional extra-payment field to see how additional principal saves interest and shortens payoff.
Class A RV Loan Rates by Credit Score
| Credit Score Range | Typical APR Range | Rating |
|---|---|---|
| 750+ | 4.99% - 6.49% | Excellent |
| 700 - 749 | 5.99% - 8.49% | Good |
| 660 - 699 | 7.99% - 10.49% | Fair |
| 620 - 659 | 9.99% - 13.49% | Below Average |
| Below 620 | 12.99%+ | Subprime |
Rates are approximate and vary by lender, loan amount, term length, and whether the Class A is new or used. Higher-value units often qualify for the best rates at each tier.
Class A RV Loan Calculator With Sales Tax, Fees, and Trade-In
This calculator gives you a clean principal-and-interest estimate. For a complete picture that includes sales tax, dealer fees, registration, and trade-in equity, use the Out-the-Door Payment Calculator. It breaks down every line item and shows exactly what gets rolled into the loan vs. paid upfront.
Want to understand how these costs work? Read more:
Frequently Asked Questions
How much do Class A motorhomes cost?
New Class A motorhomes typically range from $100,000 to $350,000 or more. Gas-powered models start around $100,000 to $180,000, while diesel pushers usually begin around $200,000 and can exceed $500,000 for luxury brands. Used Class A units are available from roughly $30,000 to $200,000 depending on age, mileage, and condition.
What loan terms are available for Class A motorhomes?
Because of their higher value, Class A motorhomes often qualify for longer loan terms. Most lenders offer 10- to 20-year terms on newer units above a certain value threshold. Longer terms lower the monthly payment but increase total interest significantly.
Do I need a special license to drive a Class A RV?
In most US states a standard driver's license is sufficient for a Class A motorhome. However, a few states require a non-commercial Class B license for vehicles over 26,000 lbs GVWR. Check your state's DMV requirements before purchasing.
Can a Class A motorhome qualify as a second home?
Yes. If the unit has sleeping, cooking, and bathroom facilities - which virtually all Class A motorhomes do - the IRS may allow you to deduct mortgage interest on the loan, just like a traditional second home. Consult a tax professional for details specific to your situation.
How much should I put down on a Class A motorhome?
Most lenders require 10-20% down on a Class A. A 20% down payment on a $150,000 unit is $30,000. Putting more down reduces the loan amount, lowers interest costs, and helps avoid being underwater as the RV depreciates.
Related Tools and Guides
Calculators
- RV Loan Calculator - General RV loan payment calculator with amortization schedule
- Out-the-Door Payment Calculator - See how taxes, fees, and trade-in change your real payment
- RV Depreciation Calculator - Estimate how fast a Class A motorhome loses value