RV Financing for Newcomers: Explore Your New Home

Welcome to Canada! There is no better way to explore the stunning landscapes of your new home—from Algonquin Park to the Rocky Mountains—than in an RV. At RV Canada, we understand that as a newcomer, you might not have a Canadian credit history yet. That’s okay. We work with major lenders (including Scotiabank, RBC, and TD) who offer specialized "Start Right" and Newcomer Financing Programs. We can help you secure a loan for a Travel Trailer or Motorhome, allowing you to discover Canada while establishing a strong credit score for your future.

* Required Field

Retail Consumer Credit Application

---

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 Dave McKinnon 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 Yan Pech 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 *

---

 

Date of Birth *

(mm/dd/yyyy)

 

Social Security # *

 

Driver's License # *

 

# of Dependents *

---

Primary Applicant Contact Details

 

Email *

 

Contact Phone *

Work Phone

Cell Phone

---

 

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 *

---

Years at Current Address

Do You Own or Rent?

Own Rent

Monthly Payment

---

Financing Details

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

---

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

---

Joint Applicant Contact Information

First Name

Middle Name

Last Name

Home Phone

Work Phone

Cell Phone

Email

Relation to Applicant

Date of Birth

Social Security Number

Driver's License #

# of Dependents

---

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

---

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

---

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.)

Confirm Email

Can I Finance an RV with No Canadian Credit?

Yes. One of the biggest challenges for new immigrants is the "Thin Credit File"—meaning you have no bad debt, but no history either. Traditional automated systems might reject you, but our Finance Managers know how to manually submit your file under Newcomer Programs. Because an RV is a secured asset (collateral), lenders are more willing to approve you than they would be for an unsecured credit card.

Who Is Eligible?

Our programs generally cover:

• Permanent Residents (Landed Immigrants): If you have your PR card, you have access to similar rates as Canadian citizens.

• Foreign Workers (Work Permits): If you hold a valid work permit, we can often align the term of your loan with the length of your permit.

• International Students: In select cases, with a co-signer or strong down payment.

What Documents Will I Need?

To get approved, you typically need to provide "The 3 Pillars" of stability:

1. Status in Canada: A copy of your PR Card, IMM Form, or Work Permit.

2. Income Verification: A job letter and recent pay stubs showing you are employed full-time in Canada.

3. Social Insurance Number (SIN): To register the loan and start tracking your credit.

The Importance of a Down Payment

For Newcomers with no credit history, a Down Payment is your best tool for approval. Lenders may ask for 10% to 25% down. This reduces their risk and proves your financial commitment.

• Tip: If you brought savings with you to Canada, using a portion of it as a down payment on an RV is a smart move. It allows you to finance the rest and start building a credit score.

Build Your Canadian Credit Score Fast

In Canada, your Credit Score is essential for renting apartments, buying a house, or getting a cell phone plan. An RV loan is an "Installment Loan." Making regular, on-time payments on your RV is one of the fastest ways to build a high credit score from scratch. By the time you are ready to buy your first home in Canada, your RV loan will have given you the "A+" payment history banks look for.

We Speak Your Language

Our diverse team at Leisure Days RV Group and RV Canada includes staff who speak multiple languages. If you are unsure about the complex financial terms, let us know. We are patient, we explain every detail, and we want you to feel safe and confident in your purchase.

Start Your Canadian Adventure. Don't let a lack of history stop you. Let us help you build your future here.

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