RV Dealers that Finance Bad Credit Near Me

If you want to buy an RV and you don’t have the credit score that’s generally needed to buy an RV, you do have other options available to you. Bad credit RV loans options offered by no credit check RV dealers for example. However, you may find it challenging to find RV loans for bad credit. Therefore, Rent to Own Campers might be a better option, as many come without a credit check at all.

Bad Credit Motorhome Loans Key Takeaways

  • If you want to buy an RV and you have a bad credit score, then you could consider bad credit RV dealers. We feature them further below.
  • Check here for a map for Bad credit RB credit dealers near me, which include options such as No Credit Campers, South East Financial, RV Depot and Paul Sherry RVs.
  • To qualify for an RV, you generally need to have a credit score of at least 550. It is best that you have a higher credit score than this. Moreover, most dealers will require you to make a down payment of at least 20%. In most cases, you also need to show proof of a consistent source of income of at least $20,000.

RV Dealers That Finance Bad Credit Near Me

If you decide to invest in an RV, here are some leading RV dealers for bad credit that you can use. Check below to directly access the map with listings for Bad credit RB credit dealers close to where you are, which include options such as No Credit Campers, South East Financial, RV Depot and Paul Sherry RVs.

bad credit rv dealers near me
RV Dealers That Finance Bad Credit Near Me

No Credit Campers

NoCreditCampers are bad credit RV dealers or bad credit camper sales loans that can finance you to buy an RV. Whether you have a bad credit score or your credit score is excellent, you can get financing. They can help you get funding of up to $35,000 that can help you get the RV you want.
To get no credit check RV financing from NoCreditCampers, you just need to visit their website, create an account and then select the RV you want. If your request is approved, the company will connect you with a local dealer who will then sell it to you. If you refer a friend to buy an RV from them, you get $250 credited to your account.

RV Depot

RV Depot is one of the leading bad credit RV dealers in Texas if you are looking for no credit check RV dealers. The company that offers brand new and used recreational vehicles. To get started, all you need to do is to visit their website, check out their inventory, and request the price. If you get one that you like, you should contact them and get more details about the pricing. Next, you should get approved by filling out a form. They usually respond within a few days. If you are approved, you can arrange how you will view and buy your unit. Unlike No Credit Campers, RV Depot does not do home deliveries.

Paul Sherry RVs

Paul Sherry RVs is an RV company that operates in Iowa and Indiana. With their online platform, you can easily select the RV that you want, apply for financing, and finish the transaction within a few days. The company partners with leading financial companies to offer credit to people with even a bad credit score. In addition, the company prides itself on being affordable. It does this by lowering the operational costs that raise the price of the RVs. For example, the company owns the land where the stores are located, meaning that it does not have any rental obligations. If you have a bad credit score, the company recommends that you look for an RV that is less than ten years old, one selling below the NADA price, one that is towable, and the loan must be between $5,000 and $40,000.

My Financing USA

My Financing USA is also an excellent RV financing bad credit. It approved applications from borrowers with a credit score of at least 550. You get RV loans for poor credit with terms of up to 15 years. If you have a past bankruptcy record, you can still have your request approved.
You can get bad credit RV loans of between $10,000 and $50,000. You need to have a minimum down payment of 10%. APRs for bad credit RV sales depend on your state of residence and the RV you are financing.

South East Financial

South East Financial is an online bad credit RV financing option. You can get RV loans for bad credit for up to 15 years. You only need to prove that you have a stable job, and have a credit score of 550 and above. You also must have a minimal annual income of $20,000.

To get approved for RV loans for poor credit, you must make a down payment of more than 20%. Inters rates vary depending on your credit score. You can get bad credit RV loans with terms of up to 240 months.

Credit Unions

You can also get RV loans for poor credit from Credit Unions. You only need to create a membership and apply. However, not all credit unions offer RV financing. Therefore, you must reach out yourself and ask if they offer RV loans.

You may find it challenging to find RV loans for bad credit. Therefore, Rent to Own Campers might be better options, as many come without a credit check at all.

What are RVs?

RV stands for Recreational Vehicle, and they are popular in the United States. In 2020, the number of RV shipments was 406,000. This means that RVs are in high demand. However, RVs differ for everyone and the kind of trip or adventure you want to take. Best known examples of RVs include motorhomes, campervans, coaches, popup campers, and truck campers, caravans and fifth-wheel trailers. Some of these options are cheaper than others.

The idea of living in an RV may seem cheap, but even the RVs themselves aren’t cheap. Their prices range between $20,000 and $120,000. Besides, there are other associated expenses that can push the cost even higher. For example, getting cheaper and older RV, often also means more maintenance work and costs. It’s a good thing therefore to consider the choice of RV you want. Types of RVs that you could buy with bad credit include motorhomes, campervans, coaches, caravans, fifth-wheel trailers, popup campers, and truck campers.

Requirements to Qualify for RV Loans for Bad Credit

Having bad credit can be a major hindrance to getting a RV. Still, you have several options that are available to you. For example, you can use the bad credit RV dealers mentioned in this article. Alternatively, you can go for a credit union loan or go to your local bank and take a secured loan, which has a collateral. To qualify for RV loans for poor credit, you generally need to meet the following requirements.

  • Have proof of stable and consistent income. You often need a minimum income of $20,000 a year
  • If you are self-employed, you must have been at it for at least 2 years
  • Have a minimum credit score of 550

What credit score do you need for RV financing? To qualify for the best RV loan rates, you should aim for a credit score of around 700 or higher. Of course, there are many lenders who also offer RV loans to those with bad credit. While there may be certain income requirements and higher interest rates, borrowers with scores of 550 or higher can often get approved for RV financing. – Investopedia

How to Get RV Loans for Poor Credit

You can only get your RV financing with bad credit approved if you take the right steps. Here is how to go about it. Check your credit score and credit report. You do need a recent FICO score and report. The minimum RV financing credit score is 550. Aim to have a higher credit score than this, and you will easily qualify for bad credit camper loans.

  • Find the best price. When searching for motor home financing with bad credit, it is best you secure funding. If you have a poor credit score, you can easily qualify for a smaller camper financing with bad credit. You can shop around from several bad credit RV dealers and bargain for the loan. Since there are many RV lenders, you can get lower rates.
  • Get approved. You can get bad credit camper loans easily with a pre-approval. Sales representatives will know you are serious with a pre-approval and will give you a better deal. This way, you can save money.
  • Increase your down payment. Most no credit check RV dealers will require you to have at least a 20% down payment. You can easily qualify for no credit check RV financing if you pay more down payment, regardless of your score.
  • Improve your credit score. Finally, you need to improve your credit score so that you can easily qualify for a loan. You can do this by paying your debts and bills on time.

RV Financing Alternative Options

Owning an RV doesn’t have to make you get into debt. You might need an RV to use for just a short period and as such, buying one may not be the best idea. So, if you wish to use or own an RV, there are many ways to go about it. These ways include:

1. Trade-In

If you own an old RV or any other kind of vehicle, you can opt to trade it in for a new RV. A trade-in can help you reduce the amount of financing you need and negotiate a better and cheaper deal. There are many RV dealers that accept RV trade-ins.


One of the companies that can help you trade in your RV is LazyDaysRV. They will help you determine the condition and value of your RV. Besides, you can also trade in trucks, motorcycles, boats, and cars for an RV. Moreover, they are independent insurers that can help you with insuring your RV.

General RV Center

General RV Center can help you trade in an RV and lower your monthly payments. They have over 6,000 new and old RVs, giving you a wide variety to choose from. They offer travel trailers, fifth wheels, and motorhomes. Furthermore, they will help you value your current vehicle and help you get the most out of your trade-in.

2. Renting

Renting an RV can also be a great option if you want to use an RV for just a few days. There are many companies that rent out their RVs. When many people are considering renting an RV, the common question is usually, how much does it cost to rent an RV? Rental charges for an RV vary greatly depending on amenities and across different RV dealers. But on average, it costs $150 to rent an RV older than 10 years in Class A.

RV Share

RV Share is the largest RV rental company. They have a wide range of RVs in different sizes with a wide variety of amenities like generators. You can book an RV instantly and you don’t have to wait for the owner to respond. Besides, they offer delivery services so that an RV is brought to where you are. They are located in every State within the United States.

Cruise America

If you want to rent an RV, Cruise America is one of the companies that can assist you. They rent out a wide variety of RVs in different sizes. Besides, these RVs have features and amenities like air conditioning, fresh water toilet, shower, refrigerator, and gas cooktops and are pet-friendly. Cruise America is available in the USA, Canada, and Alaska.

3. Private Financing

You can also finance your RV through private financing instead of the traditional bank loan. This kind of financing involves fundraising or borrowing money from family, friends, and relatives. If you have this option, it is the best since it will help you avoid the high-interest rates that come with loans.

4. Cash

You can also finance your RV by paying cash. If you have money and have poor credit scores, instead of getting into debt and paying high-interest rates and fees, paying cash would be a cheaper option.

When buying an RV, you need to consider your needs. For instance, the use you want to put your RV into can help you decide the kind of RV to buy. Also, whether you want a new or used RV is another consideration to make.

Should You Buy an RV if You Have a Bad Credit?

If you have a bad credit score, one thing is certain. It is certain that you will always have a difficulty in finding credit. This is because most credit companies will always avoid lending to you because you have a higher probability of defaulting on your obligations. Another certain thing is that every person who lends to you will be forced to hedge against the defaulting risk by charging you a high-interest rate. In all cases, interest rates for RVs are usually higher than that of cars because they also tend to be riskier. This is because they are typically seen as a “want” and not a “need”, also when it’s your only viable option to have a roof to live under.

If you have a bad credit score and want to get an RV:

  • Buy a second hand RV. When you do your search well, you can find quality RVs at a throwaway price.
  • Consider hiring. An RV is not something you use every day. Therefore, you should consider hiring instead of taking additional loans.
  • Consider improving your credit score.

Every decision that you make will have an impact on your financial life. Therefore, you need to ask yourself whether you really need to buy the RV. This is because an RV is a discretionary product that will be a liability immediately after you purchase it.

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