Camper Financing Bad Credit

Camper Financing
bad credit

We search nationwide for the best RV financing programs.

Trustpilot 5 stars

550 Minimum Score

We have programs for you even if you have past credit issues including past bankruptcies, late payments, or collections.


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.

No Hidden Fees

None of our lenders charge hidden fee such as pre-payment penalties you'll find on other sites.

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. 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.  

Why Use My Financing USA?

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 and Alaska. 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 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

$13.5 Billion

In Applications



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

A Company You Can Trust

RV Industry Association Logo

RV Industry Association

We are a contributing and accredited member of the RVIA.

RV Dealers Association Logo

RV Dealer Association

We are a contributing and accredited member of the RVDA.

5 Star TrustPilot Rating

5 Star Rated On Trustpilot

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

Better Business Bureau Logo

Better Business Bureau

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

Additional Readings:

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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.

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