Average Credit RV Loans


We search for the best RV financing programs for all credit types.

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.

Buying a recreational vehicle (RV) offers you the chance to see the country on your terms. You and your family can journey to the places you've dreamed of, discovering unfamiliar sights and learning more about the nation's history. Often, traveling in an RV simplifies your trip and your life. These vehicles offer a solution to finding hotels, restaurants and other essentials because you have your own lodging space. What's more, your family can choose where you stop based on your interests at that moment. 

You can achieve your dream of RV ownership by working with My Financing USA. We find RV loans for people with average credit. If you're unsure about applying for financing because your credit score falls into "okay" territory, we can put your mind at ease. Our team works with many people who have decent credit scores. We strive to find a loan with your ideal terms. 

We work with people in the 48 contiguous states and Alaska. Our application process takes just a few minutes to complete so that you can get started on your journey to RV ownership today with My Financing USA. 

How to Get an RV Loan With Average Credit

We created a simple financing process that will get your money to you quickly. You can begin by filling out our online application.

Then, we search for the right loan for you. We present the options we find, outlining the terms and noting what could allow maximum flexibility. If the lenders reject your application, we can try approaching more companies.

The Benefits of Choosing Us for RV Financing Services

When you pick My Financing USA, you enjoy greater flexibility than if you work with an RV dealer or approach a bank for a personal loan. We give you options, letting you pick which lender's terms are best for your unique circumstances. We can find low rates through our nationwide search. Other advantages of selecting My Financing USA include: 

  • Protecting your credit: We pre-qualify you and only send your information to lenders that match your needs
  • Easy closing: We send you the documents on your phone to sign at your convenience. 
  • Fast process: You can get your check in as little as 48 to 72 hours after submitting your application. 

Apply for RV Loans With Average Credit Today

We want to help you get behind the wheel of an RV. Apply for our RV financing services today by taking five minutes to fill out our application. Do you have questions about our process? Contact us to speak to a representative.

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.

30 Day Rate Guarantee

When it comes to RV Loans, we make it simple. Lock in your rate today for 30 days!

Additional Readings:

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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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