Camper Financing Bad Credit

Camper Financing
bad credit

We search nationwide for the best RV financing programs.


We search nationwide for the best RV loan rates and terms for you. Even if you have past credit problems.


We reduce inquiries sometimes to zero by pre-qualifying you and only sending you to one matching lender at a time.


Sign and submit your documents right from your smart phone and we can have your application funded in as little as 48 hours!

Stuck at home? So are we!
Our process is 100% online.

Do you have bad credit? Camper financing is still within your reach. When you work with My Financing USA, you can find lenders open to providing loans to applicants with poor credit. We can work with you to maximize your chances of approval so that you can live out your dream of camper ownership. 

Imagine traveling in your camper to famous and undiscovered sites across the country. We want you to drive off in the camper you've always wanted to own. If you can show that you have the means to repay a loan, some lenders may look past your low credit rating and classify you as a reasonable risk. Let's work to make that happen together. 

Our straightforward application asks you to answer some basic information and give us a timeframe for when you plan to purchase your camper. Our entire process is virtual, so you can do everything from the comfort of your home. Enjoy security and convenience when you apply through our secure website and sign the closing documents from your phone.

We Offer Camper Financing for People With Low Credit Scores

Poor credit can affect your ability to get a loan, but we have assisted many people like you by connecting them with a lender. When you apply, you can speak with a consultant who will advise you and answer questions about camper financing with a low credit score. We consider your expectations and look at where you are in the loan process to plan a strategy for finding the right lender. 

Our team limits the number of inquiries lenders submit to protect your rating from multiple credit checks. We only apply to one at a time. If the lender rejects you, we can try again. My Financing USA also works with people who want to raise their credit scores for a better chance at camper financing.  

The RV Life with My Financing USA

Why Use My Financing USA to Find Pop-Up Camper Financing With Bad Credit? 

Our customers appreciate our financing services' flexibility. When you go through a dealer to purchase a camper, you get locked into their terms, which prevents you from finding a more favorable loan. We search nationwide, and you may pre-qualify, which gives you a monetary range for your purchase and lets you know which campers you can afford. Our lenders also enable you to purchase from a private owner at a campground or another site, which may offer better pricing than a dealer. 

Other advantages of working with us include: 

  • Enjoying a secure application process that you can complete in minutes.
  • Receiving the best options available for financing from reputable lenders. 
  • Finding lower interest rates than for a personal loan or financing through a dealership. 

Apply for Camper Trailer Finance Options Today

We help people with bad credit repair their scores and find loan programs that offer the flexibility they desire. You can find excellent rates and terms through our financing services, which are available in the 48 contiguous states. Fill out your application today in just five minutes. If you need more details, contact us to learn more about My Financing USA's financing options. 

Our Process Is Easy


Apply Online

Use our DigiCert Norton VeriSign Secured website to submit your information.


We Find Your Match

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


Sign & Drive!

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

Our Customers Love Us

We love our customers...

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


Years In Business


Team Members




In Applications

Compare Our RV Loan Programs

Bad Credit RV Financing Program

  • Rates Between 11.99% and 19.95%
  • 550 Minimum Score
  • Must Be Above $10K
  • 10% Down Preferred
  • 2010 or Newer Models (Older case by case)
  • Purchase from Private Party or Dealership
  • Recreational Use Only
  • Past Bankruptcy OK
  • Some Collections or Late Payments OK
  • Debt Ratio Under 40%

Good Credit RV Financing Program

  • Rates Between 5.99% and 11.99%
  • 680 Minimum Score
  • Must Be Above $10K
  • 15% Down Preferred
  • 2010 or Newer Models (Older case by case)
  • Purchase from Private Party or Dealership
  • Recreational Use Only
  • No Bankruptcies
  • No Recent Late Payments
  • Debt Ratio Under 45%

A Company You Can Trust

RV Industry Association Member

RV Industry Association Member

We are a contributing and accredited member of the RVIA.

Norton VeriSign Secured

Norton VeriSign Secured

Our online application is secured with the most trusted name in online security.

A+ BBB Rating

A+ BBB Rating

We have the highest possible rating from the Better Business Bureau.

Additional Readings:

Camper Maintenance Guide

Camper Maintenance Guide

There's something special about hitting the open road with your camper and enjoying the great outdoors. Whether you're going for a cross-country trip or visiting your favorite campground, you will make some unforgettable memories. Check out out guide and discover how to maintain your camper so it's always ready for your next adventure.

Read More
What Is the Difference Between Hard and Soft Credit Checks?
RV driving on a road with mountains

How Hard Is It to Finance an RV?

Find out how long it will take to get a loan approved, if it is hard to get financed for an RV and whether there is anything you can do to simplify the process. Depending on your situation, it is easy to finance a new or used RV.

Read More