RV Loans for Bad Credit

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No Credit Check RV Financing

Take action today and get yourself on the road in your new RV. Check for offers, compare rates and terms, and apply for a bad credit RV loan. Don’t let your bad credit score hold you back from a life on the road.

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How to Get a RV Loans for Bad Credit

Check Offers for No Credit Check RV Financing at Acorn Finance
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Fill out an easy online form to check for pre-qualified offers with no impact to your credit score
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Complete your application on your selected lender’s website
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After your loan is approved, your funds should arrive within 1-2 business days2

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Helping You Find RV Loans for Bad Credit

How do RV loans for bad credit work?

RV loans for bad credit may come with more requirements and may require more documentation, but the way the loan works should be the same, regardless of credit score. 

Secured RV loans are secured by the RV purchase. Therefore, you’ll need to get prequalified and submit information for the RV you intend to finance. Secured loans may require a down payment. If you don’t have a down payment, you could consider using a personal loan to cover the down payment. Secured loans are installment loans just like personal loans. 

Unsecured RV loans on the other hand are not backed by collateral. For RV’s that are older or are to be purchased private party, a personal loan can be a good option. Personal loans are not backed by collateral and do not have spending restrictions. Therefore, simply apply for the amount you need and get prequalified. Once approved, you can use the funds as needed. 

RV Loans for Bad Credit: Frequently Asked Questions

What are RV loans for bad credit?

RV loans can come in different forms, with the primary two types being secured or unsecured. 

Unsecured loans have less requirements, since they are not backed by collateral. Regardless of the type of loan, the biggest difference between a good credit loan and a bad credit loan are usually the requirements, interest rates, and fees. Bad credit may require borrowers to find a creative solution for RV financing. Ultimately the right answer may be to improve your credit score before applying. 

If you’re considering a personal loan for an RV purchase or repair, check offers at Acorn Finance with no credit impact. 

How do you find the best bad credit RV financing?

To find the best bad credit loan for RV financing, you should start by checking your credit score. Can you improve it at all before applying? If so, you should. Getting a bad credit loan can be costly, and if it puts strain on your budget, it may not be the best choice for your financial future. 

When you’re ready to obtain a loan, it will be crucial to compare offers. If you have a cosigner this can increase your chance of approval. 

How do you qualify for no credit check RV financing?

You may have seen some lenders or platforms advertise for no credit RV financing. However, these types of loans are usually risky. While you may be able to get prequalifed with no credit impact, at some point, the lender will likely need to run your credit. 

Get prequalified for a personal loan with no impact on your credit score. Visit Acorn Finance today!

Are RV loans worth it when you have bad credit?

The answer to this question really comes down to whether or not you can afford monthly payments. In some cases, an individual can have a bad credit score, but more than enough income to comfortably afford a monthly payment on their RV loan. If this sounds like you, ask yourself if higher interest rates are worth scratching that wanderlust itch. If the monthly expenses that come with RV financing are going to put you in a bind, perhaps a bad credit RV loan should be put on the back burner. Taking the time to improve your credit score, can help return more favorable offers that result in a lower monthly payment for you. It is advisable to utilize online credit monitoring platforms to assess what areas need improvement. 

Compare & Shop RV Loans for Bad Credit at Acorn Finance

If you’ve been bitten by the travel bug but don’t know how you’re going to afford your new ride, there may be financing available for recreational vehicles, even if you have bad credit. 

RV loans for bad credit can be more difficult to obtain than a “good credit” RV loan, but there are lenders out there, especially online, who specialize in finding lending solutions for bad credit borrowers. Keep reading to learn about RV financing for bad credit, including how you can easily check for the best bad credit RV loans for you - without spending any money or impacting your credit score. 

Learn More About No Credit Check RV Financing:

What credit score is needed to buy an RV with bad credit?

In some cases, with traditional RV financing, the RV itself will act as collateral in the loan agreement. This can help borrowers with credit scores as low as 550 gain approval - but this isn’t always possible, or the best option.

When it comes to unsecured personal loans for RV financing, the majority of lenders prefer to work with borrowers that hold a good or better credit score. That said, some of our lending partners at Acorn are willing to find solutions for borrowers with a credit score as low as 600. Offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. 

Can I use a personal loan to buy an RV?

That’s the beauty of a personal loan. Typically, you can use personal loan funds for whatever you would like - including to buy or repair  an RV.

What costs are associated with buying an RV?

Before you even purchase an RV, it’s difficult to imagine all the expenses that may be incurred with ownership. Here are some costs to take into consideration: 

  • Gas 
  • Maintenance 
  • Waste disposal 
  • Campsite fees
  • Storage fees, if applicable

How can I find the best RV loan near me?

To find the best RV loan near you, it may be tempting to type “best RV loans near me” into your search bar and click on the first thing that pops up. This may not always return the best results. Checking for offers on Acorn puts the power in your hands to compare personalized offers side-by-side so you can choose the RV loan that is best for you.

Why choose Acorn Finance for an RV loan with bad credit?

When choosing a lending partner, especially with bad credit, there’s risk involved. First, you want to deal with someone legitimate. Second, you want a lender that extends a fair offer. While your credit score may present risk for them, you want to avoid a loan so costly it will create financial struggles. You also want to factor that you’ll need to repay the loan, even if the RV breaks. When you utilize the Acorn Finance platform, you can check personal loan offers with no credit impact. Our lending partners can offer personal loans up to $100,000 depending on credit score. 

What are the pros and cons of bad credit RV financing?


  • The freedom to travel anywhere that roads will take you
  • Life experiences and bonding time with your family
  • The opportunity to improve your credit score through positive payment history
  • Flexibility to choose the lender and loan offer that works best for your financial situation



  • Potential to further damage your credit if payments are missed
  • High interest rates and fees 
  • An additional monthly expense when times may already be tight

I am adding a hot tub and other patio enhancements to my house. My experience using Acorn Finance was excellent.

Tracey E.

Kentucky | Patios & Decks

I am extending my patio. My contractor informed me of possible financing and the Acorn Finance experience was awesome, very easy.

Monica L.

Texas | Patios & Decks

The whole process itself was just so fluid, all the way through to the end. I was thinking it can't be this easy, but it really was!

Janina D.

Kentucky | HVAC

I am adding a hot tub and other patio enhancements to my house. My experience using Acorn Finance was excellent.

Tracey E.

Kentucky | Patios & Decks

I am extending my patio. My contractor informed me of possible financing and the Acorn Finance experience was awesome, very easy.

Monica L.

Texas | Patios & Decks

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