Bad 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.

How to Get an RV Loan with Bad Credit

If you have bad credit, there are a few key steps you can take to increase your chances of getting an RV loan:

  1. Calculate a realistic payment budget. Lenders determine whether to approve you for a loan when you have bad credit based on whether you’ll be able to repay the loan. Look for a payment plan that won’t stretch your budget, and make sure to factor in the other costs of RV ownership into your budget.
  2. Save for a down payment. Usually, bad credit RV lenders will require a 10%-20% down payment. You are more likely to get approved if you put down a bigger down payment, so make sure to save up enough for a good down payment.

The best way to get an RV loan with bad credit is to work with My Financing USA. Here’s how. 

My Financing USA Can Help You Get an RV Loan with Bad Credit

Our loan process is simple. You fill out the application, then we search for the right loan for you. Our team presents you with your choices, noting the terms and seeking the loan that offers you the most flexibility. If we receive a rejection, we can begin the process again. 

To protect your credit from additional dings, we by only send your application to lenders that match your needs. 

RV Financing For Past Credit Issues

Whether you have great credit or bad credit , we give your RV financing application a fair shake. We'll do everything we can to find an RV loan program for you or our services are totally free.

Get Started Now for a free RV loan quote and see what rate we can offer you.

Why Choose My Financing USA? 

When you select My Financing USA, you can find the best new and used RV loans for a bad credit score. You enjoy greater flexibility than financing through a dealer because we can find multiple options and allow you to select the one that benefits you the most. Going the personal loan route can also result in higher rates. With My Financing USA, you get the best options, as well as: 

  • Minimize inquiries on your credit. 
  • Enjoy no hidden fees from our vendors. 
  • Complete the secure process using our DigiCert Secured website. 

Apply for Bad Credit RV Loans Online

We make RV loans to people with a low credit score, and we want to help you out, too. In just five minutes, you can fill out an application for our RV loan services. Contact us with questions 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
  • 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:

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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