Support RV Loan Interest Deduction In the Big Beautiful Bill
Act now and make your voice count in support of this provision.
Camping World and Good Sam strongly believe that the RV loan interest deduction provision represents common-sense tax policy that supports U.S.-built products and the ability for families to affordably travel the country.
The Big Beautiful Bill had a provision that would allow RVers to deduct their RV loan interest, saving hard working American families thousands of dollars per year. This common-sense tax policy has been severely limited in the latest version of the bill reducing eligible RVs to just Class B and some Class C motorhomes and we firmly believe that all RVs should qualify. RVs are built in the USA and RVers have been a part of American culture for over 70 years, traveling and supporting businesses all over this great country.
This provision could significantly expand the number of RV buyers who receive tax benefits from an RV purchase, providing them a considerable advantage come tax season, especially middle-income households financing a moderate loan.
This provision can make RV ownership more attainable, which means more Americans exploring local tourism, supporting small businesses in towns and campgrounds, and boosting domestic RV manufacturing. That’s why we need your help. Sign the petition and contact your local representative and urge them to include all RVs in the RV Loan Deduction in the final version of this bill.
“RVs are one of the last great American-built products, made by hardworking men and women across the heartland. RVers travel town to town pouring money into small businesses and communities, and we strongly believe the inclusion of this provision provides RV consumers and their families with much needed affordability relief after years of rising inflation and stubbornly high interest rates."
What’s in the RV Loan Interest Deduction?
- Deduct Up to $10,000 in Interest – From 2025 through 2028, eligible RV purchasers may deduct up to $10,000 above the line of loan interest each year. If included, RV buyers who finance their purchase between January 1, 2025, and December 31, 2028, could save thousands in taxes over the four-year window.
- Middle-Income Earners Come Out Ahead – Most advantageous for single-income households making up to $100,000 annually, or $200,000 for couples who file jointly.
- Built in the USA – Only RVs assembled in the U.S. qualify, supporting American manufacturing.
- A Simple Tax Process – This is an above-the-line deduction, with no itemization needed. Lenders report $600+ interest to the IRS, and you simply claim the deduction.
- Limitations – The House version of the provision allows for any RV to qualify where the current Senate version limits the qualified RVs to only Class B and some Class C motorhomes.
FAQ
Anyone who takes out a qualifying vehicle loan after December 31, 2024, for a personal-use vehicle, and meets income limits. The House version of the provision allows for any RV to qualify where the current Senate version limits the qualified RVs to only Class B and some Class C motorhomes.
Up to $10,000 per year in qualifying interest.
Yes. The deduction starts to phase out at:
- $100,000 (single filer)
- $200,000 (joint filer)
The deduction reduces by $200 for every $1,000 over the limit.
There are no age restrictions, and seniors can claim it in addition to their higher standard deduction.
The House version of the provision allows for any RV to qualify where the current Senate version limits the qualified RVs to only Class B and some Class C motorhomes, as long as they’re for personal use and assembled in the U.S.
The deduction DOES NOT apply to the following RVs or purchases:
- Fleet vehicles
- Commercial-use vehicles
- Leased vehicles
- Salvage title vehicles
- Junk vehicles intended for parts/scrap
- Personal loans (not a secured auto loan)
No, this is an “above-the-line” deduction, so you could claim it even if you take the standard deduction.
No, it must be a secured vehicle loan, not a personal or unsecured loan.
What to Say to Your Senator
Hello, my name is [Your Name], and I’m a constituent from [Your City, State].
I’m calling to ask Senator [Last Name] to include the RV loan interest deduction in the Big Beautiful Bill.
The RV industry is a leader in the America First economy and RVs are more than leisure vehicles. RVs are full-time homes for many Americans and enable critical components of the travel, retirement, and small business economy. Including this deduction would provide fairness and relief to millions of middle-class families.
I urge the Senator to be a champion for the middle-class and RV owners and include the RV loan interest deduction in the final version of the bill.
Thank you for your time.
Subject: Include the RV Loan Interest Deduction in the Big Beautiful Bill
Dear Senator [Last Name],
I’m writing as your constituent from [City, State] to urge you to include the RV loan interest deduction in the Big Beautiful Bill.
The RV industry is a leader in the America First economy and RVs are more than leisure vehicles. RVs are full-time homes for many Americans and enable critical components of the travel, retirement, and small business economy. Including this deduction would provide fairness and relief to millions of middle-class families.
I urge the Senator to be a champion for the middle-class and RV owners and include the RV loan interest deduction in the final version of the bill.
Thank you for your service.
Sincerely,
[Your Full Name]
[Your City, State]
[Optional: Phone or Email]