Class C RV Loan Calculator
Class C motorhomes sit in the sweet spot between towable RVs and full-size Class A coaches. Built on a truck or van cutaway chassis (typically Ford E-450 or Chevy 4500), they offer a cab-over sleeping area and livable floorplans at a lower price point than Class A units. New Class C models generally range from $60,000 to $150,000, with luxury diesel Super C models pushing higher.
Financing a Class C is similar to other RV loans, but the lower price means shorter terms are more practical. A 12- to 15-year loan keeps the total interest reasonable while still offering manageable monthly payments. Lenders typically require 10-20% down, and rates depend on your credit profile and the age of the unit.
The defaults below reflect a mid-range new Class C - $85,000 price, $15,000 down, 6.9% APR, and a 15-year term. Adjust the numbers to match your situation.
Your Estimated Payment
| Line Item | Amount |
|---|---|
| RV Price | $85,000 |
| Down Payment | −$15,000 |
| Loan Amount | $70,000 |
15 years at 6.9% APR
View Amortization Schedule (180 months)
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $625 | $223 | $402 | $69,777 |
| 2 | $625 | $224 | $401 | $69,553 |
| 3 | $625 | $225 | $400 | $69,328 |
| 4 | $625 | $227 | $399 | $69,101 |
| 5 | $625 | $228 | $397 | $68,873 |
| 6 | $625 | $229 | $396 | $68,644 |
| 7 | $625 | $231 | $395 | $68,413 |
| 8 | $625 | $232 | $393 | $68,182 |
| 9 | $625 | $233 | $392 | $67,948 |
| 10 | $625 | $235 | $391 | $67,714 |
| 11 | $625 | $236 | $389 | $67,478 |
| 12 | $625 | $237 | $388 | $67,241 |
| 13 | $625 | $239 | $387 | $67,002 |
| 14 | $625 | $240 | $385 | $66,762 |
| 15 | $625 | $241 | $384 | $66,520 |
| 16 | $625 | $243 | $382 | $66,278 |
| 17 | $625 | $244 | $381 | $66,034 |
| 18 | $625 | $246 | $380 | $65,788 |
| 19 | $625 | $247 | $378 | $65,541 |
| 20 | $625 | $248 | $377 | $65,293 |
| 21 | $625 | $250 | $375 | $65,043 |
| 22 | $625 | $251 | $374 | $64,791 |
| 23 | $625 | $253 | $373 | $64,539 |
| 24 | $625 | $254 | $371 | $64,285 |
| 25 | $625 | $256 | $370 | $64,029 |
| 26 | $625 | $257 | $368 | $63,772 |
| 27 | $625 | $259 | $367 | $63,513 |
| 28 | $625 | $260 | $365 | $63,253 |
| 29 | $625 | $262 | $364 | $62,992 |
| 30 | $625 | $263 | $362 | $62,729 |
| 31 | $625 | $265 | $361 | $62,464 |
| 32 | $625 | $266 | $359 | $62,198 |
| 33 | $625 | $268 | $358 | $61,930 |
| 34 | $625 | $269 | $356 | $61,661 |
| 35 | $625 | $271 | $355 | $61,390 |
| 36 | $625 | $272 | $353 | $61,118 |
| 37 | $625 | $274 | $351 | $60,844 |
| 38 | $625 | $275 | $350 | $60,569 |
| 39 | $625 | $277 | $348 | $60,292 |
| 40 | $625 | $279 | $347 | $60,013 |
| 41 | $625 | $280 | $345 | $59,733 |
| 42 | $625 | $282 | $343 | $59,451 |
| 43 | $625 | $283 | $342 | $59,168 |
| 44 | $625 | $285 | $340 | $58,883 |
| 45 | $625 | $287 | $339 | $58,596 |
| 46 | $625 | $288 | $337 | $58,308 |
| 47 | $625 | $290 | $335 | $58,018 |
| 48 | $625 | $292 | $334 | $57,726 |
| 49 | $625 | $293 | $332 | $57,433 |
| 50 | $625 | $295 | $330 | $57,138 |
| 51 | $625 | $297 | $329 | $56,841 |
| 52 | $625 | $298 | $327 | $56,542 |
| 53 | $625 | $300 | $325 | $56,242 |
| 54 | $625 | $302 | $323 | $55,940 |
| 55 | $625 | $304 | $322 | $55,637 |
| 56 | $625 | $305 | $320 | $55,331 |
| 57 | $625 | $307 | $318 | $55,024 |
| 58 | $625 | $309 | $316 | $54,715 |
| 59 | $625 | $311 | $315 | $54,405 |
| 60 | $625 | $312 | $313 | $54,092 |
| 61 | $625 | $314 | $311 | $53,778 |
| 62 | $625 | $316 | $309 | $53,462 |
| 63 | $625 | $318 | $307 | $53,144 |
| 64 | $625 | $320 | $306 | $52,824 |
| 65 | $625 | $322 | $304 | $52,503 |
| 66 | $625 | $323 | $302 | $52,180 |
| 67 | $625 | $325 | $300 | $51,854 |
| 68 | $625 | $327 | $298 | $51,527 |
| 69 | $625 | $329 | $296 | $51,198 |
| 70 | $625 | $331 | $294 | $50,867 |
| 71 | $625 | $333 | $292 | $50,534 |
| 72 | $625 | $335 | $291 | $50,200 |
| 73 | $625 | $337 | $289 | $49,863 |
| 74 | $625 | $339 | $287 | $49,525 |
| 75 | $625 | $341 | $285 | $49,184 |
| 76 | $625 | $342 | $283 | $48,842 |
| 77 | $625 | $344 | $281 | $48,497 |
| 78 | $625 | $346 | $279 | $48,151 |
| 79 | $625 | $348 | $277 | $47,802 |
| 80 | $625 | $350 | $275 | $47,452 |
| 81 | $625 | $352 | $273 | $47,100 |
| 82 | $625 | $354 | $271 | $46,745 |
| 83 | $625 | $356 | $269 | $46,389 |
| 84 | $625 | $359 | $267 | $46,030 |
| 85 | $625 | $361 | $265 | $45,669 |
| 86 | $625 | $363 | $263 | $45,307 |
| 87 | $625 | $365 | $261 | $44,942 |
| 88 | $625 | $367 | $258 | $44,575 |
| 89 | $625 | $369 | $256 | $44,206 |
| 90 | $625 | $371 | $254 | $43,835 |
| 91 | $625 | $373 | $252 | $43,462 |
| 92 | $625 | $375 | $250 | $43,087 |
| 93 | $625 | $378 | $248 | $42,709 |
| 94 | $625 | $380 | $246 | $42,329 |
| 95 | $625 | $382 | $243 | $41,947 |
| 96 | $625 | $384 | $241 | $41,563 |
| 97 | $625 | $386 | $239 | $41,177 |
| 98 | $625 | $388 | $237 | $40,789 |
| 99 | $625 | $391 | $235 | $40,398 |
| 100 | $625 | $393 | $232 | $40,005 |
| 101 | $625 | $395 | $230 | $39,610 |
| 102 | $625 | $398 | $228 | $39,212 |
| 103 | $625 | $400 | $225 | $38,812 |
| 104 | $625 | $402 | $223 | $38,410 |
| 105 | $625 | $404 | $221 | $38,006 |
| 106 | $625 | $407 | $219 | $37,599 |
| 107 | $625 | $409 | $216 | $37,190 |
| 108 | $625 | $411 | $214 | $36,779 |
| 109 | $625 | $414 | $211 | $36,365 |
| 110 | $625 | $416 | $209 | $35,949 |
| 111 | $625 | $419 | $207 | $35,530 |
| 112 | $625 | $421 | $204 | $35,109 |
| 113 | $625 | $423 | $202 | $34,686 |
| 114 | $625 | $426 | $199 | $34,260 |
| 115 | $625 | $428 | $197 | $33,832 |
| 116 | $625 | $431 | $195 | $33,401 |
| 117 | $625 | $433 | $192 | $32,968 |
| 118 | $625 | $436 | $190 | $32,532 |
| 119 | $625 | $438 | $187 | $32,094 |
| 120 | $625 | $441 | $185 | $31,653 |
| 121 | $625 | $443 | $182 | $31,210 |
| 122 | $625 | $446 | $179 | $30,764 |
| 123 | $625 | $448 | $177 | $30,315 |
| 124 | $625 | $451 | $174 | $29,864 |
| 125 | $625 | $454 | $172 | $29,411 |
| 126 | $625 | $456 | $169 | $28,955 |
| 127 | $625 | $459 | $166 | $28,496 |
| 128 | $625 | $461 | $164 | $28,035 |
| 129 | $625 | $464 | $161 | $27,570 |
| 130 | $625 | $467 | $159 | $27,104 |
| 131 | $625 | $469 | $156 | $26,634 |
| 132 | $625 | $472 | $153 | $26,162 |
| 133 | $625 | $475 | $150 | $25,687 |
| 134 | $625 | $478 | $148 | $25,210 |
| 135 | $625 | $480 | $145 | $24,729 |
| 136 | $625 | $483 | $142 | $24,246 |
| 137 | $625 | $486 | $139 | $23,761 |
| 138 | $625 | $489 | $137 | $23,272 |
| 139 | $625 | $491 | $134 | $22,780 |
| 140 | $625 | $494 | $131 | $22,286 |
| 141 | $625 | $497 | $128 | $21,789 |
| 142 | $625 | $500 | $125 | $21,289 |
| 143 | $625 | $503 | $122 | $20,786 |
| 144 | $625 | $506 | $120 | $20,280 |
| 145 | $625 | $509 | $117 | $19,772 |
| 146 | $625 | $512 | $114 | $19,260 |
| 147 | $625 | $515 | $111 | $18,746 |
| 148 | $625 | $517 | $108 | $18,228 |
| 149 | $625 | $520 | $105 | $17,708 |
| 150 | $625 | $523 | $102 | $17,184 |
| 151 | $625 | $526 | $99 | $16,658 |
| 152 | $625 | $529 | $96 | $16,128 |
| 153 | $625 | $533 | $93 | $15,596 |
| 154 | $625 | $536 | $90 | $15,060 |
| 155 | $625 | $539 | $87 | $14,521 |
| 156 | $625 | $542 | $84 | $13,980 |
| 157 | $625 | $545 | $80 | $13,435 |
| 158 | $625 | $548 | $77 | $12,887 |
| 159 | $625 | $551 | $74 | $12,336 |
| 160 | $625 | $554 | $71 | $11,781 |
| 161 | $625 | $558 | $68 | $11,224 |
| 162 | $625 | $561 | $65 | $10,663 |
| 163 | $625 | $564 | $61 | $10,099 |
| 164 | $625 | $567 | $58 | $9,532 |
| 165 | $625 | $570 | $55 | $8,961 |
| 166 | $625 | $574 | $52 | $8,388 |
| 167 | $625 | $577 | $48 | $7,811 |
| 168 | $625 | $580 | $45 | $7,230 |
| 169 | $625 | $584 | $42 | $6,646 |
| 170 | $625 | $587 | $38 | $6,059 |
| 171 | $625 | $590 | $35 | $5,469 |
| 172 | $625 | $594 | $31 | $4,875 |
| 173 | $625 | $597 | $28 | $4,278 |
| 174 | $625 | $601 | $25 | $3,677 |
| 175 | $625 | $604 | $21 | $3,073 |
| 176 | $625 | $608 | $18 | $2,466 |
| 177 | $625 | $611 | $14 | $1,854 |
| 178 | $625 | $615 | $11 | $1,240 |
| 179 | $625 | $618 | $7 | $622 |
| 180 | $625 | $622 | $4 | $0 |
Example: 2025 Class C on a Ford E-450 Chassis
- RV Price: $85,000
- Down Payment: $15,000 (18%)
- APR: 6.9%
- Term: 180 months (15 years)
Monthly payment: ~$623/mo. Total interest: ~$42,100. Total cost: ~$127,100. Dropping to a 10-year term raises the payment to ~$805/mo but saves roughly $16,500 in total interest. Adding $75/mo in extra payments on the 15-year term saves about $7,600 and pays the loan off nearly 3 years early.
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 C RV Loan Rates by Credit Score
| Credit Score Range | Typical APR Range | Rating |
|---|---|---|
| 750+ | 4.99% - 6.99% | Excellent |
| 700 - 749 | 6.49% - 8.99% | Good |
| 660 - 699 | 8.49% - 10.99% | Fair |
| 620 - 659 | 10.49% - 13.99% | Below Average |
| Below 620 | 12.99%+ | Subprime |
Rates are approximate and vary by lender, loan amount, term length, and whether the Class C is new or used.
Class C 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 does a Class C motorhome cost?
New Class C motorhomes range from about $60,000 for a basic model to $150,000 or more for a diesel Super C with premium features. Used Class C units in good condition typically sell for $25,000 to $90,000 depending on year, mileage, and brand.
What is the difference between a Class B and Class C RV?
A Class B is a converted cargo van (like a Sprinter or ProMaster) with a lower profile and smaller living space. A Class C is built on a larger truck chassis with a cab-over bunk, giving significantly more interior room. Class C units are usually less expensive than Class B vans of similar age.
How long can you finance a Class C motorhome?
Most lenders offer terms of 10 to 20 years for Class C motorhomes. The term you qualify for depends on the loan amount, the age of the unit, and the lender. Newer, higher-value Class C models may qualify for longer terms.
What is a good interest rate for a Class C RV loan?
Rates for Class C RV loans generally fall in the same range as other RV loans - roughly 5% to 12% APR depending on your credit score, down payment, and the age of the unit. Excellent credit (750+) typically gets rates in the 5-7% range.
Related Tools and Guides
Calculators
- RV Loan Calculator - General RV loan payment calculator with amortization schedule
- RV Affordability Calculator - Work backward from your budget to see the max Class C you can buy
- RV Insurance Cost Estimator - Estimate monthly insurance for a Class C motorhome