Buying an RV with a Low Credit Score: Your Options Explained

One of the most frequent questions our finance team receives is: "My credit score is low—can I still buy an RV?" At RV Canada, the answer is overwhelmingly yes. While traditional banks often require scores of 700+ for leisure loans, our specialized dealership network works with lenders who understand that a low score (often defined as 580–660) doesn't mean you are a high risk. We look at your income, your stability, and the equity in the RV to find a way to get you approved for a Jayco, Forest River, or Keystone unit 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

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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

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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

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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.

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Is There a Minimum Credit Score to Buy an RV?

There is no single "magic number" that guarantees approval or rejection. While a score above 680 will get you the absolute lowest "Prime" rates, we successfully finance hundreds of customers with scores in the 500s and 600s every season.

Why? because RV loans are secured loans. The RV itself acts as collateral for the bank. This security reduces the lender's risk, making them much more willing to overlook a lower credit score than if you were applying for an unsecured credit card or personal line of credit.

How We Get Low Scores Approved

When your score is low, our Finance Managers build a "story" for the lender. We highlight your strengths:

• Job Stability: Long-term employment helps outweigh a low score.

• Debt-to-Income Ratio: If you have low monthly debt obligations, lenders are more likely to approve you even with a lower beacon score.

• Payment History: We show them that despite a past dip, your recent payments have been on time.

Strategies to Buy with a Low Score

If you are worried about your score, here are three proven ways to secure an approval:

1. The "Cash Down" Advantage: Putting money down (10% to 20%) is the single best way to overcome a low credit score. It lowers the amount you need to borrow and shows the lender you are serious.

2. Add a Co-Signer: Adding a spouse or family member with a stronger score to the application can instantly bump you into a better interest rate tier.

3. Choose the Right RV: We might recommend starting with a high-value Travel Trailer or Tent Camper rather than a luxury Diesel Motorhome. Lowering the total loan amount makes approval much easier.

Don't Let "Online Calculators" Discourage You

Generic online loan calculators often reject anyone under a 650 score. These tools do not reflect the reality of our dealership lending network. We have direct relationships with Credit Rebuilding Lenders that generic websites do not access.

Rebuild Your Score for the Future

Buying an RV with a low score is actually a smart strategic move. It gives you a substantial "Installment Loan" on your credit report. By making your payments on time for 12–18 months, you can drastically improve your score. Many of our clients refinance their RV loan after a year or two to lower their rate once their credit has bounced back!

Your Score is Just a Number. Your Adventure is Real. Let us help you navigate the lending options and find a solution that works.

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