RV Financing With Bad Credit

RV Financing
With Bad Credit

We search nationwide for the best RV financing programs.

Trustpilot 5 stars


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


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


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.

If you have bad credit, you can still achieve the things you want. Many people see their credit scores plunge when they suffer through a lean income period or make a few late payments. Everyone encounters financial setbacks, and those experiences often have indefinite implications. Once your score has fallen, it can be challenging to build it up again. When you're ready to make payment on time and have the income to do so, you need a lender who will give you a chance.

My Financing USA has the options you desire. We offer people with bad credit financing on their mobile recreational vehicle (RV) loans. Our services search for programs for various ratings because we believe people with poor credit should be able to secure RV financing. You can complete our simple application process in just a few minutes, and we provide services nationwide in the contiguous United States. Find the RV finance option that works for you with our poor credit options.

We Offer the Best RV Financing for People With Bad Credit 

You can finance an RV for your family to enjoy, even if you have bad credit. Unlike many financing companies, we can find a loan program that gives you a fair shot or our services are completely free. 

When you use our lower-credit RV financing, you get the chance to repair your score, too. By making consistent monthly payments on your loan, you can raise your credit score and show lenders that you are responsible and low-risk. We can also work with you on other ways to help repair your credit rating.

RV Financing With Bad Credit Application Process 

It's easy to submit your application using our secure website. We verify your information and begin matching you with the right loan program, whether you need financing for a new or used RV. Finally, you can sign your closing documents right from your phone. We give you the check, and you can present it to the dealer. Then it's time to take your first trip as an RV owner.  

Why Choose My Financing USA for Low Credit Score RV Financing? 

You enjoy many advantages when you use My Financing USA to find your RV loan. Just a few benefits for our customers include: 

  • No hidden fees: We choose fair lenders with no hidden fees, like pre-payment penalties. 
  • Credit protection: We pre-qualify you and reduce inquiries by only sending you to lenders that match your needs.
  • Understanding your needs: We ignore collections on medical and student loan debt or past bankruptcies. 

We also offer tire and wheel coverage and gap waivers. Our concierge service can pay for towing and a hotel while you wait to get the RV fixed if you have a blowout. 

Apply for Bad Credit RV Financing Online

Even if your credit score is low, you can become an RV owner. It only takes five minutes to apply for financing online today, or you can contact us with questions about our financing process. We look forward to getting you on the road in your new or used RV. 

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.

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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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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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