RV Financing & Consumer Proposals: Yes, You Can Get Approved

One of the most common questions we hear is: "I’m in a Consumer Proposal—do I have to wait until it’s fully paid off to buy an RV?" The answer is often no. At RV Canada, we help dozens of families every year secure RV financing during a consumer proposal. While your bank might say no, our specialized lending partners understand that a proposal is a sign you are taking control of your debt, not ignoring it. If your proposal payments are up to date, we can help you get behind the wheel of a Jayco or Forest River RV and start rebuilding your financial future today.

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Retail Consumer Credit Application

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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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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 Test Kory Todd Henry Toren Waitman Tracy Tracy Whalen Tracy Whalen Victoria Tibbits Walid Naeemi Walid Naeemi Warrenty Wayne Palmer Yan Pech Yanuario Valdez Pech

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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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The Myth About Consumer Proposals

There is a misconception that a Consumer Proposal freezes your financial life for five years. While it does impact your credit rating (usually an R7 or R9 rating), it does not legally prevent you from obtaining new credit, provided the new lender is aware of your situation.

At RV Canada, we work with lenders who view the proposal positively: it means your old, unmanageable debts are frozen and structured. This actually frees up your monthly cash flow, making it easier for you to afford a modest RV payment.

Active Proposal vs. Discharged Proposal

We have solutions for both stages of the process:

• Active Proposal: If you are currently making payments to your trustee, we can secure financing if you have a steady income and a modest down payment. The lender will want to see that you have been successfully making your proposal payments for a few months.

• Discharged Proposal: Once you complete your payments, you receive a "Certificate of Full Performance." This is the golden ticket. Once you have this, you are immediately eligible for our broader range of credit rebuilding loans to boost your score back to "Prime" territory.

How an RV Loan Speeds Up Recovery

A Consumer Proposal clears the bad debt, but it doesn't build good credit on its own. To fix your score, you need new, positive trade lines. Taking out a secured RV loan and making on-time payments is one of the most effective ways to show the credit bureaus that you are back on track. By the time your proposal falls off your record, you could already have 2–3 years of perfect payment history on your RV, putting you years ahead of someone who waited.

What You Need to Get Approved

Since we cannot rely on your credit score, approvals are based on stability and equity:

1. Steady Income: You need to show stable employment (usually 6+ months).

2. Down Payment: A down payment is often required for proposal financing. It shows the lender you are committed. (Trade-ins welcome!).

3. Bank Statements: Lenders may ask to see 3 months of bank statements to verify you aren't bouncing payments.

Honest Advice on Budgeting

We want your new RV to be a joy, not a burden. If you are in a proposal, we will guide you toward high-value, lower-cost inventory.

• Great Starters: We highly recommend Travel Trailers like the Jayco Jay Flight or Forest River Wildwood. They offer lower monthly payments than motorhomes, making approval much easier.

• Used Options: A well-maintained used trailer is often the smartest financial move during a proposal.

Don't Put Your Life on Hold. You are managing your debt responsibly—now let us help you manage your leisure time.

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