Travel Trailer Loan Calculator

Travel trailers are the most popular RV type in the United States, accounting for nearly half of all RV sales. They range from compact 16-foot models under $15,000 to large multi-slide floorplans over $60,000. Because they are bumper-pull towables, many buyers can tow them with a half-ton truck or SUV they already own, keeping the total entry cost lower than motorized RV options.

Financing a travel trailer is straightforward, but loan terms and rates vary based on the amount borrowed. Units under $25,000 may be treated as personal property loans with shorter terms (5-10 years) and slightly higher rates. Above $25,000, most lenders offer standard RV loan terms of 10 to 20 years, though 10- to 15-year terms are the most common for this price range.

The defaults below are set for a mid-range new travel trailer - $35,000 price, $5,000 down, 7.5% APR, and a 12-year term. Change the numbers to match your situation and see your estimated payment.

Purchase
Loan Terms
Extra Principal Payment (optional)
Reset

Your Estimated Payment

$317/mo
Monthly Payment
7.5% APR • 144 mo • $30,000 financed
$30,000
Loan Amount
$15,586
Total Interest
$50,586
Total Cost
Line ItemAmount
RV Price $35,000
Down Payment −$5,000
Loan Amount $30,000

12 years at 7.5% APR

View Amortization Schedule (144 months)
# Payment Principal Interest Balance
1 $317 $129 $188 $29,871
2 $317 $130 $187 $29,741
3 $317 $131 $186 $29,610
4 $317 $132 $185 $29,479
5 $317 $132 $184 $29,347
6 $317 $133 $183 $29,213
7 $317 $134 $183 $29,079
8 $317 $135 $182 $28,945
9 $317 $136 $181 $28,809
10 $317 $137 $180 $28,672
11 $317 $137 $179 $28,535
12 $317 $138 $178 $28,397
13 $317 $139 $177 $28,258
14 $317 $140 $177 $28,118
15 $317 $141 $176 $27,977
16 $317 $142 $175 $27,835
17 $317 $143 $174 $27,693
18 $317 $143 $173 $27,549
19 $317 $144 $172 $27,405
20 $317 $145 $171 $27,259
21 $317 $146 $170 $27,113
22 $317 $147 $169 $26,966
23 $317 $148 $169 $26,818
24 $317 $149 $168 $26,669
25 $317 $150 $167 $26,519
26 $317 $151 $166 $26,368
27 $317 $152 $165 $26,217
28 $317 $153 $164 $26,064
29 $317 $154 $163 $25,910
30 $317 $155 $162 $25,756
31 $317 $156 $161 $25,600
32 $317 $157 $160 $25,444
33 $317 $158 $159 $25,286
34 $317 $159 $158 $25,127
35 $317 $160 $157 $24,968
36 $317 $161 $156 $24,807
37 $317 $162 $155 $24,646
38 $317 $163 $154 $24,483
39 $317 $164 $153 $24,320
40 $317 $165 $152 $24,155
41 $317 $166 $151 $23,990
42 $317 $167 $150 $23,823
43 $317 $168 $149 $23,655
44 $317 $169 $148 $23,487
45 $317 $170 $147 $23,317
46 $317 $171 $146 $23,146
47 $317 $172 $145 $22,974
48 $317 $173 $144 $22,801
49 $317 $174 $143 $22,627
50 $317 $175 $141 $22,452
51 $317 $176 $140 $22,276
52 $317 $177 $139 $22,098
53 $317 $178 $138 $21,920
54 $317 $180 $137 $21,740
55 $317 $181 $136 $21,560
56 $317 $182 $135 $21,378
57 $317 $183 $134 $21,195
58 $317 $184 $132 $21,011
59 $317 $185 $131 $20,825
60 $317 $186 $130 $20,639
61 $317 $188 $129 $20,452
62 $317 $189 $128 $20,263
63 $317 $190 $127 $20,073
64 $317 $191 $125 $19,882
65 $317 $192 $124 $19,689
66 $317 $194 $123 $19,496
67 $317 $195 $122 $19,301
68 $317 $196 $121 $19,105
69 $317 $197 $119 $18,908
70 $317 $198 $118 $18,710
71 $317 $200 $117 $18,510
72 $317 $201 $116 $18,309
73 $317 $202 $114 $18,107
74 $317 $203 $113 $17,904
75 $317 $205 $112 $17,699
76 $317 $206 $111 $17,493
77 $317 $207 $109 $17,286
78 $317 $209 $108 $17,077
79 $317 $210 $107 $16,867
80 $317 $211 $105 $16,656
81 $317 $212 $104 $16,444
82 $317 $214 $103 $16,230
83 $317 $215 $101 $16,015
84 $317 $216 $100 $15,798
85 $317 $218 $99 $15,581
86 $317 $219 $97 $15,361
87 $317 $221 $96 $15,141
88 $317 $222 $95 $14,919
89 $317 $223 $93 $14,696
90 $317 $225 $92 $14,471
91 $317 $226 $90 $14,245
92 $317 $228 $89 $14,017
93 $317 $229 $88 $13,788
94 $317 $230 $86 $13,558
95 $317 $232 $85 $13,326
96 $317 $233 $83 $13,093
97 $317 $235 $82 $12,858
98 $317 $236 $80 $12,622
99 $317 $238 $79 $12,384
100 $317 $239 $77 $12,145
101 $317 $241 $76 $11,904
102 $317 $242 $74 $11,662
103 $317 $244 $73 $11,418
104 $317 $245 $71 $11,173
105 $317 $247 $70 $10,926
106 $317 $248 $68 $10,678
107 $317 $250 $67 $10,428
108 $317 $251 $65 $10,177
109 $317 $253 $64 $9,924
110 $317 $255 $62 $9,669
111 $317 $256 $60 $9,413
112 $317 $258 $59 $9,156
113 $317 $259 $57 $8,896
114 $317 $261 $56 $8,635
115 $317 $263 $54 $8,373
116 $317 $264 $52 $8,108
117 $317 $266 $51 $7,843
118 $317 $268 $49 $7,575
119 $317 $269 $47 $7,306
120 $317 $271 $46 $7,035
121 $317 $273 $44 $6,762
122 $317 $274 $42 $6,488
123 $317 $276 $41 $6,212
124 $317 $278 $39 $5,934
125 $317 $279 $37 $5,655
126 $317 $281 $35 $5,374
127 $317 $283 $34 $5,091
128 $317 $285 $32 $4,806
129 $317 $287 $30 $4,519
130 $317 $288 $28 $4,231
131 $317 $290 $26 $3,941
132 $317 $292 $25 $3,649
133 $317 $294 $23 $3,355
134 $317 $296 $21 $3,060
135 $317 $297 $19 $2,762
136 $317 $299 $17 $2,463
137 $317 $301 $15 $2,162
138 $317 $303 $14 $1,859
139 $317 $305 $12 $1,554
140 $317 $307 $10 $1,247
141 $317 $309 $8 $938
142 $317 $311 $6 $627
143 $317 $313 $4 $315
144 $317 $315 $2 $0

Example: New Travel Trailer Under $40,000

  • RV Price: $35,000
  • Down Payment: $5,000 (14%)
  • APR: 7.5%
  • Term: 144 months (12 years)

Monthly payment: ~$331/mo. Total interest: ~$17,700. Total cost: ~$52,700. Shortening to a 7-year term bumps the payment to ~$459/mo but cuts total interest to about $8,600 - saving over $9,000. Even a small extra payment of $50/mo on the 12-year loan saves roughly $3,400 in interest.

What This Calculator Includes

Travel Trailer Loan Rates by Credit Score

Credit Score RangeTypical APR RangeRating
750+5.49% - 7.49%Excellent
700 - 7496.99% - 9.49%Good
660 - 6998.99% - 11.49%Fair
620 - 65910.99% - 13.99%Below Average
Below 62013.49%+Subprime

Rates are approximate and vary by lender, loan amount, and term length. Travel trailers under $25,000 may be financed as personal property loans with slightly higher rates.

Travel Trailer 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

Can I finance a travel trailer under $25,000?

Yes, but options are more limited. Many traditional RV lenders have a $25,000 minimum loan amount. For smaller loans, you may need to use a personal loan, a credit union RV loan, or dealer financing. Rates may be slightly higher and terms shorter (5-7 years) for these lower amounts.

What vehicle do I need to tow a travel trailer?

It depends on the trailer weight. Lighter models (under 5,000 lbs) can be towed by many half-ton trucks and large SUVs. Heavier travel trailers (6,000-9,000 lbs) usually need a half-ton truck like a Ford F-150 or Ram 1500. Always compare the trailer's GVWR to your vehicle's tow rating.

How much is travel trailer insurance per month?

Travel trailer insurance typically costs $30 to $100 per month for standard coverage. Because they are towable and generally less expensive than motorhomes, insurance premiums are among the lowest of all RV types.

Should I buy new or used travel trailer?

Used travel trailers offer significant savings - often 30-50% less than new for a model that is 3-5 years old. The trade-off is potential maintenance costs and shorter remaining loan terms. If you buy used, factor the age into your loan term and rate expectations. Many lenders limit terms based on model year.

What is a typical down payment for a travel trailer?

Lenders generally require 10-20% down on a travel trailer loan. On a $35,000 trailer, that means $3,500 to $7,000 down. A larger down payment reduces both the monthly payment and total interest, and helps you avoid owing more than the trailer is worth as it depreciates.

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