which camper payment calculator is more accurate?

[topknines]

I’m currently searching for a camper calculator to help me estimate my monthly payments, but I’m confused about which one to use. I came across two different calculators: one from a mortgage calculator and another from a camp travel trailer. Both seem to have useful features, but I’m not sure which one provides the most accurate and detailed breakdown of costs, including loan terms, interest rates, and additional fees. I want to make sure I’m using the right tool before making any financial decisions. Has anyone here used either of these calculators before? Do they give accurate estimates, or would you recommend a better alternative? Any insights or suggestions would be really helpful!

 

[Sky King]

I've never used either but your credit score, interest rate, length of loan, if insurance is included all will vary the payment.

 

[topknines]

That makes sense! I guess a calculator can only give an estimate, but real payments depend on multiple factors. Do you know of any tools that take more of these variables into account?

 

[maki2]

Search for RV loan calculator. After you open it there should be a subset question to identify the various types of RVs including slide-in truck bed campers

 

[Sky King]

Do you know of any tools that take more of these variables into account?

No I don't, Sorry!

 

[topknines]

@maki2 Thanks! I’ll look into that. Do you know of any RV loan calculators that also factor in things like trade-ins or sales tax?

 

[maki2]

Boots on the ground…just go shopping and get estimates. Lending rates change all the time so you can’t rely on today’s price remaining the same. Unfortunately the prices might be a fair amount higher within the next year

 

[topknines]

I’ll check local options too. Thanks for the insight!

 

[maki2]

@maki2 Thanks! I’ll look into that. Do you know of any RV loan calculators that also factor in things like trade-ins or sales tax?

I have never used such a calculator. I paid $1,500 cash my 53 year old derelict condition travel trailer. Of course it needed a complete top to bottom renovation. In the housing industry that is called “sweat equity”.

 

[bullfrog !]

Might I suggest that a used camper a few years old might have received warranty repairs already and any minor problems it came with might have become more visible. As almost all manufactured RVs come from the factory with defects it seems and repairing them takes time and money. Buying a used one after a through independent inspection could be the better buy.

 

[LargeMarge]

What did they say at the camper dealership?
During negotiations, how much are they willing to adjust your camper payments based on your trade-in and down-payment?
.
If I was me, I might go straight to the loan source -- my local credit-union.
I would probably avoid second-tier loan-processors such as vehicle dealers with their middle-man commission(s).
Weird, eh?
.
.
Fuss-Budget Disclaimer:
As a Perfesstoonal Edtior (you that read right), I honestly truly believe 'accurate' is an absolute.
The answer to a calculation is either accurate or it is wrong.
The only exception to the rule:
* 1+1 = 11...
.
I also hold a grudge against the gross misnomer 'sales taxes'.
Anytime a purchaser pays taxes on a purchase, those are PURCHASE TAXES.
In my humble, 'sales taxes' is "less-accurate" than the truth.

 

[abnorm]

Cowboys and Indians

 

[Sky King]

When negotiating with the dealership don't tell them you have your own financing as they get a cut when you go thru them.

 

[rruff]

I’m currently searching for a camper calculator to help me estimate my monthly payments

Make it simple. Save up the purchase price and pay cash.

 

[tx2sturgis]

Any auto loan calculator should work fine.

Here's one I've used many times:

https://www.calculator.net/auto-loan-calculator.html