Pickup & Truck Camper Loan Interest Deduction Calculator
For tow rigs and slide-in campers.
The short answer: At the numbers below, the pickup-loan deduction is $4,300 — $516 back at 12% ($20 per paycheck).
New, US-assembled vehicle only
Modified Adjusted Gross Income
Car Loan Interest Deduction
$4,300
✅ You qualify for the full deduction
⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.
Truck Yes, Trailer Campers Different
The pickup's loan is a vehicle loan. Slide-in truck campers financed on the truck loan ride along; separate travel-trailer loans are RV loans — different rules.
- • Pickup loan interest (camper rolled in) → deductible to $10,000
- • Separate travel-trailer/RV loan → not a motor vehicle loan; RV interest rules differ
- • Fifth-wheel financing → same trailer caveat
Worked Example
MFJ buyer, $4,300 of interest on a camper-hauling pickup.
- • Deduction $4,300; $516 at 12%
Keep Reading
Frequently Asked Questions
Is my pickup loan deductible even with a camper on it?
Yes — the pickup loan is a qualified vehicle loan regardless of what's in the bed.
What about the trailer loan itself?
Travel-trailer loans aren't motor vehicle loans; check RV-specific treatment with your tax preparer.