RV & Boat Loans For All Credit Types

RV Loans and
Boat Loans from
My Financing USA

We search nationwide for the best RV and boat financing programs.

5 Stars on Trustpilot

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Why Choose My Financing USA?

When you apply for boat or RV financing with us, you enjoy many benefits, including: 

Low rates: We comb the country to find the best RV and boat financing for your unique needs. 
Credit protection: We prioritize protecting your credit by pre-qualifying you and only sending your application to lenders that match your needs.
Easy approval: You can fill out your application on your smartphone and receive funding within as little as 48 hours. 

Have past credit problems? That's no problem — we still want to work with you. With our prequalification process, you know how much you can afford when you shop for your RV or boat. We help you look for the best deal, so you can feel confident that the financing will be a breeze. 

Our Process Is Easy


Apply Online

Use our DigiCert Secured website to submit your information.


We Find Your Match

We verify your information and match you with the right nationwide RV or boat loan program.


Sign & Drive!

Sign your closing docs right from your phone then pick up your RV or boat with a check in hand.

My Financing USA offers RV, boat and motorhome financing services throughout the contiguous United States. We provide a straightforward and secure application process that takes just a few minutes to complete. Unlike many lenders, we work with good and bad credit scores. We search for the best RV and boat loan programs based on your specific needs, eliminating all the guesswork and excessive credit inquiries.

Since we offer boat and RV loans specifically, we can find you better programs with lower rates than you'll receive when you work directly with a dealer. With our hands on approach and pre-qualification process, we reduce the number of inquires from lenders by only sending you to lenders that match your needs.** Our team completes all our closings online through DocuSign, so our services can help you avoid shuffling your schedule for meetings and paperwork.

Take the first step toward achieving your dream of RV or boat ownership with us. Submit your loan application today. 

Our Customers Love Us

Apply for Financing Online

Our process takes place entirely online, offering the convenience you desire. It takes just three easy steps: 

  • Apply: Submit your information using our DigiCert Secured website.
  • Get a match: Once we've verified your information, we find the best nationwide boat or RV loan program.
  • Sign: Complete the closing documents.

You could receive a check in hand to cover your new boat or RV within days. Apply with My Financing USA today, and you could be out on the water or rolling down the highway before you know it. 

Contact Us Today to Learn More

Avoid the often steep payments and unfavorable conditions that come with a personal loan. Talk to a real person for a personalized experience that simplifies the borrowing process. When you pay for your boat or RV using My Financing USA, you enjoy an efficient, easy-to-navigate process. Contact us today to discuss your options and learn more. 

Loan Programs For All Credit Types

  • 550 Minimum Score
  • Terms Up To 20 Years
  • $10k Minimum Loan Amount
  • 10-15% Down Preferred
  • Rates Between 6.49% and 19.95%
  • Private Party Purchases OK
  • Dealer Purchases OK
  • Some Collections OK
  • Some Late Payments OK
  • Past Bankruptcy OK
  • Co-Signers OK
  • Recreational Use Only
  • No Full Timers
  • No Park Models, Toterhomes or Schoolies
Your Next Adventure Starts Here

We love our customers...

Because customers like you keep referring friends and family, we keep growing!


Years In Business

$13.5 Billion

In Applications



A Company You Can Trust

RV Industry Association Logo

RV Industry

We are a contributing and accredited member of the RVIA.

RV Dealers Association Logo

RV Dealer

We are a contributing and accredited member of the RVDA.

5 Star TrustPilot Rating

5 Star Rated On

We are the highest rated RV & boat lender in the USA.

National Marine Lenders Association Member

National Marine Lenders Association

We are a contributing and accredited member of the NMLA