Bad Credit RV Financing: We Get You Approved

Financial bumps in the road shouldn't keep you off the actual road. At RV Canada in Ottawa, we believe every family deserves a chance to enjoy the camping lifestyle. Our Second Chance Finance Department specializes in securing bad credit RV loans for customers who have faced bankruptcy, divorce, consumer proposals, or are simply just starting out with no credit history. We don't just look at a number; we look at your current ability to pay. Let us help you get approved for a Jayco, Forest River, or Winnebago today.

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Retail Consumer Credit Application

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Salesperson

Which location?

Choose Bras D'or, NS Brockville, ON Carleton Place, ON Cornwall, ON Country Campers Sales CRC RV Salisbury/Moncton CRC RV Truro Doug's Recreation Fredericton, NB Gananoque, ON Kingston, ON Kitchener, ON Lens RV London, ON Moncton, NB Nepean, ON Oro-Medonte, ON Ottawa, ON Owen Sound,ON Pembroke, ON Quinte RV Rockland, ON RV Liquidators, ON Sackville, NB Shipshewana, IN Smiths Falls, ON Truro, NS Vars, ON

Are you working with a salesperson? *

Choose Yes No

If yes, which one?

Choose Abdel Hanhan Adam Finley Adam Finley Adam Finley (OC) Andre Lahaie Angela Austin Holder Barry Haner Blair Spencer Caroline Brawley Chad MacDonald Chris Dery Dan Butler RVL Dan Charbonneau Dan Charbonneau RVL Danny Butler Darian Gardiner Dennis McCully Don Johnstone Eric Lalonde Ernesto Fernandez Ernesto RVL Fred Sova Herbie sakalauskas Ian Kerr Jack Regnier James Little Jason Jason Krahl Jeff Quinn Jessica Pollock John Rowland Jonathan Zitter Josiane Pelkey Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelly McMUrray Kelly McMurray Kevin Cameron Kory Davis Kyle Austin Kyle Austin Maggie MacIsaac Matt Crockett Matt Crockett Matt Lutes Melissa Durksen Michael Krkic Michel Doiron Michel Ferland Mike Bancroft Mike Garrick Mike Grimes Mirel Bica Nicholas Kassian Nick McIntosh 2025 Nick RVL Office clerk Pankaj Mehta parts Parts Parts Department Parts Department Paul Curry Paul Curry RVL Peter Girouard Phil Hodgson Rita Caissie Rob Rosen LDSF Rob Rosen SF Robert Shaw Rodney Petty Ryan Mahar Samer Agaybi Samer Agaybi RVL Sean Montgomery Service Service Service Service Department Shae Lee Black Shane Murphy Shawn Hebert Shawn Murphy Shawn Murphy Shelly Macdonald Sherwin Robinson Steve Manley Terry Bower Todd Henry Toren Waitman Tracy Tracy Whalen Tracy Whalen Victoria Tibbits Walid Naeemi Walid Naeemi Warrenty Wayne Palmer Yanuario Valdez Pech

RV interested in:

New Used

New/Used

Year

Make

Model

Stock #

Choose Travel Trailer Teardrop Trailer Expandable Park Models Motor Home Class C Motor Home Class C - Diesel Folding Pop-Up Camper Destination Trailer Motor Home Class A Motor Home Class A - Diesel Motor Home Class B Motor Home Class B - Diesel Motor Home Class B+ Motor Home Class B+ - Diesel Cargo Trailer Truck Camper Toy Hauler Travel Trailer Fifth Wheel Toy Hauler Fifth Wheel Truck Toy Hauler Expandable SUV Motor Home Class C + Tractor Tractor Attachments Utility Vehicle Park Trailer Car Hauler Deckover Trailer Dump Trailer Off-Road Trailer Equipment Trailer Flat Bed Trailer Utility Trailer A-Frames Bass Boat Bay Boat Bowrider Cuddy Cabin Fish & Ski Boat Fishing Boat Motor Home Mega C - Diesel Motor Home Super C Motor Home Super C - Diesel Motor Home Super C - Diesel - Toy Hauler Other Boat Pontoon Power Boat Sport Boat All-Terrain Vehicle Car Motor Home Class A - Diesel - Toy Hauler Motor Home Class A - Toy Hauler Motor Home Class C - Diesel - Toy Hauler Motor Home Class C - Toy hauler Roof Top Tent Tilt Trailer ATV Trailer Gooseneck Deckover Dump Trailer Gooseneck Flat Bed Trailer Landscape Trailer Motorcycle Trailer Snowmobile Trailer Car Trailers All-Purpose Fishing Boat Boat Trailer Motorcycle Car Dolly Other

RV Type

Primary Applicant Information

 

First Name *

 

Middle Name *

 

Last Name *

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Date of Birth *

(mm/dd/yyyy)

 

Social Security # *

 

Driver's License # *

 

# of Dependents *

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Primary Applicant Contact Details

 

Email *

 

Contact Phone *

Work Phone

Cell Phone

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Address *

 

City *

 

State *

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon

 

Zip/Postal *

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Years at Current Address

Do You Own or Rent?

Own Rent

Monthly Payment

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Financing Details

How much are you looking to finance? (ex: $22,000 or unsure)

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Primary Applicant Employment Information

 

Years at Employer *

 

Employer Name *

 

Occupation *

 

Yearly Salary *

(ex $50,000)

 

Other Income *

 

Employer Phone *

 

Employer Address Line 1 *

Address Line 2

 

City *

 

State *

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon

 

Zip/Postal *

 

Country *

Add A Joint Applicant

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Joint Applicant Contact Information

First Name

Middle Name

Last Name

Home Phone

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Cell Phone

Email

Relation to Applicant

Date of Birth

Social Security Number

Driver's License #

# of Dependents

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Joint Applicant Residency Information

Do you own or rent?

Own Rent

Monthly Payment

Years at Address

Address Line 1

Address Line 2

City

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon

Zip/Postal

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Joint Applicant Employment Information

Years at Employer

Employer Name

Occupation

Yearly Salary

(ex $50,000)

Other Income

Employer Phone

Employer Address Line 1

Address Line 2

City

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon

Zip/Postal

Country

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Comments/Questions

 

By submitting this application, I/We certify that the submitted information is complete and accurate to the best of my/our knowledge. I/We understand and approve any inquiries regarding my/our credit record and employment history by the financial institution(s). I/We authorize the release of information about my/our credit experience.

It's ok to contact me about future discounts and events. (Easily unsubscribe at any time.)

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Can I Really Buy an RV with Bad Credit?

Yes, you can. Many people assume that RVs are "luxury items" that require a perfect 800 credit score. The reality is that lenders view RVs as secure assets. Because the vehicle itself acts as collateral, we can often secure approvals for clients who might be turned down for an unsecured personal loan or credit card.

We work with a specific network of "non-prime" and "sub-prime" lenders who specialize in helping Canadians rebuild their financial reputation. They want to lend to you, and we know how to present your file to get a "Yes."

Situations We Can Help With

Our team has successfully secured financing for customers facing:

• Bad Credit / Low Score: We find lenders who look past the score.

• No Credit History: Perfect for students, young couples, or those who have never used credit cards.

• Bankruptcy & Proposals: If you are discharged or currently in a proposal, we have programs for you.

• Newcomers to Canada: Start building your Canadian credit history with an asset loan.

• Self-Employed: We understand how to verify income when you don't have a standard T4.

Rebuild Your Credit with an RV Loan

An RV loan is an "installment loan," which is one of the best ways to rebuild a credit score. By making regular, on-time payments on your new Travel Trailer or Fifth Wheel, you demonstrate reliability to the credit bureaus. Over time, this can significantly boost your score, helping you qualify for better rates on cars, homes, and credit cards in the future.

How Our "Second Chance" Process Works

We treat your file with privacy and respect.

1. Apply Online: Use our secure, private application form from home. No judgment, just data.

2. Personal Review: A dedicated credit specialist reviews your unique situation—not a robot.

3. Lender Matching: We pitch your file to the specific lenders who deal with your credit profile.

4. Selection: We show you the inventory that fits your approved payment structure.

5. Drive Away: You get the RV, and you start rebuilding your credit.

What Kind of RV Can I Get?

Bad credit doesn't mean you are stuck with a "fixer-upper." We often secure financing for:

• New & Used Travel Trailers: Reliable models like the Jayco Jay Flight or Wildwood FSX.

• Tent Campers: Affordable entry points to the RV lifestyle.

• Used Motorhomes: Older, well-maintained Class C or Class A units.

We will be transparent about what fits your approval. We want you to succeed, so we ensure the monthly payment is something you can comfortably afford.

Tips for Getting Approved

• Have a Down Payment: Even a small deposit shows "skin in the game" and significantly increases approval odds.

• Trade-In: Trading in a car, boat, or older RV can act as your down payment.

• Co-Signer: If available, a co-signer with stronger credit can lower your interest rate and guarantee approval.
  
  

Learn more about how to protect your RV and your budget on our Warranty & Protection Packages