Motorhome Financing With Bad Credit

Motorhome Financing
With 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.

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. 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. One of our loan officers will get in touch to go over your details and ask you about your goals and expectations. We find that constant, transparent communication helps our team stay on the same page during this step and throughout the process. 

We will begin looking for a loan that matches your needs. Our representatives only submit you to one lender at a time to limit the number of inquiries into your credit score. Once we find a match, you can complete the closing paperwork and receive a check that you can give to your motorhome dealer.

If you receive a rejection, we can try again. We also offer a credit repair program to help you raise your credit score and learn how to save more money in the future. Upon completion, we can resubmit your information to lenders and find a match that meets your financial needs.

The RV Life with My Financing USA

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 Norton VeriSign 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

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


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Compare Our RV Loan Programs

Bad Credit RV Financing Program

  • Rates Between 13.25% and 19.95%
  • 550 Minimum Score
  • Must Be Above $10k
  • 10% Down Preferred
  • 2011 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 12.74%
  • 700 Minimum Score
  • Must Be Above $10k
  • 15% Down Preferred
  • 2011 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.

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