Secured recreational vehicle loan calculator

Use this calculator to estimate the monthly payments on your new or used recreational vehicle. Excellent credit required to qualify for lowest rates.

Estimate your monthly recreational vehicle loan payments.

To start, input your purchase price and any down payment, along with your loan term (months) and your interest rate or annual percentage rate (APR). You can toggle between Over time, Various terms, and Amoritization to get more details.

This calculator is made available by one or more third party service providers. It is not intended to be an advertisement for a product or service at any of the terms used herein. It is not intended to offer any tax, legal, financial or investment advice. All examples are hypothetical and are for illustrative purposes. Truist Financial Corporation ("Truist") and its affiliates do not provide legal or tax advice. Truist cannot guarantee that the information provided is accurate, complete, or timely. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Truist makes no warranties with regard to this calculator or the results obtained by its use. Truist disclaims any liability arising out of your use of, or any tax position taken in reliance on, this calculator. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Locate a branch to apply for a recreational vehicle loan in person.

Key factors affecting your secured loan costs

Learn more about some of the factors that may impact your recreational vehicle loan payments.

Credit score

When you apply for a secured auto loan, your credit score is considered along with other factors, including debt-to-income ratio, income, and any down payment you plan to make.

New vs. used

Loans for new RVs may have lower interest rates compared to used RV loans. New vehicles retain higher initial value and are less likely to have mechanical issues.

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Loan term

Shorter loan terms typically come with lower interest rates and can significantly reduce the total interest paid over the life of the loan.

Down payment

A larger down payment reduces the amount you’re financing. This can lower your monthly payment as well as the total interest you pay over the life of the loan.

Get the most out of your secured loan

There are several steps you can take that may help you find the best recreational vehicle loan terms for your situation.

Lock in your interest rate

Securing your rate with our interest rate lock guaranteeDisclosure 1 can give you peace of mind while you shop for the right recreational vehicle.
Consider refinancing

If you take a loan with a higher interest rate now, refinancing if rates drop laterDisclosure 2 could save you money.
Balance term vs. cost

A longer loan term may make monthly payments more affordable, but may also increase the amount of interest you pay over the life of your recreational vehicle loan.

Frequently asked questions 

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Factors including your principal loan amount, your interest rate (APR), and your loan term all impact the amount of your monthly payment. A portion of your payment goes toward paying down the principal amount, and a portion goes toward interest. You may pay more interest at the beginning of the loan and gradually pay more toward the principal as the loan progresses.

Common recreational vehicle loan terms typically range from 120 to 240 months, although some lenders may offer shorter or longer terms. This may be longer than typical auto loan terms because of higher purchase prices.

The main difference between secured and unsecured loans is that secured loans require collateral and unsecured loans don’t.
 
For instance, a secured home loan uses your home as collateral, and a secured vehicle loan uses your vehicle as collateral. If you fail to pay the loan, you can lose your asset.
 
Unsecured loan benefits include a simpler application and approval process, because there is not a need to secure a title to collateral property.
 
Unsecured loans, also called unsecured personal loans, are backed by your creditworthiness—your past repayment history and your credit score, among other factors. Because of this, interest rates on unsecured loans can be higher than those on secured loans. We only approve good-to-excellent credit profiles for LightStream loans.
 

Related resources

Your credit score, explained

Your credit score is one of the most common ratings used to determine your creditworthiness. Let’s break down how it’s calculated.

Learn more about your credit score.
Secured vs. unsecured loans

There are some key differences between a secured loan and an unsecured loan. We explore the pros and cons of each, so you can decide what’s best for you.

Learn more about secured and unsecured loans.

You may also be interested in these options.

RV loans

Your next adventure is waiting. We can help make it happen with an RV loan to fit your situation.

Learn more about RV loans.
Boat loans

Life’s good on the water. We have secured and unsecured options to float your boat.

Learn more about boat loans.
Auto loans

Whether you’re buying new, buying used, or refinancing, we have competitive car loan rates.

Learn more about auto loans.
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Disclosure 1 For a secured recreational vehicle loan: once your application is approved, the interest rate is valid for 90 days as long as there are no changes to your application or loan terms.

Disclosure 2 If you have an existing Truist secured recreational vehicle loan, you’ll need to make six (6) contractual payments before you can refinance.

Disclosures

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