Tiny Home & Van Loan Tool
Total Monthly Living Cost:
Includes Loan + Parking/Utilities
"Calculate your monthly payments instantly with our Tiny Home & Van Loan Tool. Compare rates, estimate down payments, and find affordable financing options for your life on wheels or off-grid builds. Start planning your dream mobile lifestyle today!"
Frequently Asked Questions
Can you get a traditional bank loan for a tiny home?
Traditional mortgages often require a permanent foundation and a minimum square footage. For tiny homes on wheels (THOWs), most users opt for personal loans, RV loans, or specialized tiny home builders' financing.
How long are the terms for a van or tiny home loan?
Loan terms typically range from 5 to 15 years depending on the loan type. RV loans often offer longer terms (up to 20 years) for higher-value professional conversions, while personal loans usually cap at 7 years.
What credit score do I need for tiny house financing?
Most lenders look for a credit score of 640 or higher. However, to secure the lowest interest rates shown in our tool, a score of 720+ is generally recommended.
Can I finance a DIY van conversion?
Financing a DIY build is usually handled through an unsecured personal loan. Since lenders cannot easily appraise the value of a self-built interior, personal loans provide the necessary cash for both the vehicle and the materials.
Is a tiny home loan tax-deductible?
If your tiny home or van meets the IRS criteria for a "qualified home" (including basic sleeping, cooking, and toilet facilities), you may be able to deduct the loan interest. Always consult a tax professional to verify your specific situation.