Motorhome Financing With Bad Credit

Motorhome Financing
With 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.

Have you always dreamed of taking to the road in a motorhome? These vehicles enable your family to explore the country on your own terms. Are you concerned that a low credit score will bar you from finding the loan that lets you buy your vehicle? Many people who make sound financial decisions end up with a poor credit score. A few missed payments can prevent years of hard work from reflecting on your rating. 

Still, My Financing USA can help you secure motorhome financing with poor credit. We can encourage your journey toward motorhome ownership, even if lenders have rejected you in the past because of your bad credit score. We work with people who have good, bad or average credit to find them the optimal loan terms and rates. 

We provide services across the 48 contiguous United States and Alaska. Our loan application process is secure, and you can finish it in minutes. In some cases, you could have your money within as little as two to three days. 

How to Finance a Motorhome With Bad Credit

Our straightforward financing process can get you the loan you want fast. Start by filling out our online application.

We will begin looking for a loan that matches your needs. Once we find a match, you can complete the closing paperwork and receive a check that you can give to your motorhome dealer.

Why Use Our Services if You Have Poor Credit?

My Financing USA finds the best loans for people, regardless of their credit score. Our team can connect you with programs that offer low rates and terms of up to 20 years. We prioritize security, using a DigiCert Secured website for the application process. Other benefits of working with us include: 

  • Increased choice: We offer you a selection of options from flexible, fair lenders to find programs that meet your needs and expectations. 
  • Reduced inquiries: We apply to fewer lenders using pre-qualification, which reduces the number of credit checks and protects your score from further damage.
  • Easy closing: You can sign your closing documents on your phone, so securing your financing is convenient.

Learn More About Motorhome Financing for Poor Credit

Are you ready to get out on the road in a new or used motorhome? Get started today by taking five minutes to fill out our application or contact us to learn more about our 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
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:

What Is the Difference Between Hard and Soft Credit Checks?
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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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How Does a Credit Inquiry Affect My Score?

How Does A Credit Inquiry Affect My Score?

Having several inquiries can reduce your overall credit score and affect your RV or boat loan approval. Lenders use your credit report to conduct a risk assessment. Inquiries can affect their decision to offer a loan to you.

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