RV Loans for Poor Credit: Get the Approval You Deserve

A poor credit score shouldn't sentence you to a summer indoors. At RV Canada in Ottawa, we understand that life happens—missed payments, high credit card balances, or unexpected bills can drag a score down quickly. That’s why we offer specialized RV loans for poor credit. Our finance team works with a diverse network of subprime lenders who look at the "big picture" of your financial health, not just a three-digit number. Whether you are looking for a family Travel Trailer or a used Motorhome, we can help you find a payment plan that fits.

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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 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:

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

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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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Poor Credit Doesn't Mean "No"

Many of our customers walk in assuming they will be declined because their bank said no. But banks have very strict, "black and white" lending boxes. RV Canada operates differently.

• We Tell Your Story: Our Business Managers argue your case to the lender. We explain why your credit is poor (e.g., a one-time medical bill vs. chronic non-payment) and show them your stable income.

• Higher Approval Rates: Because we process such a high volume of loans, lenders are often willing to make exceptions for our clients that they wouldn't make for an individual walking in off the street.

The Difference Between "Poor" and "Bad" Credit

While we help with both, "poor credit" often just means your score is hovering below 660 due to high utilization or short history.

• The "Near-Prime" Solution: We have access to "Near-Prime" interest rates. These are better than subprime rates and are designed for people who are just missing the cutoff for standard bank rates. This can save you thousands in interest compared to a "Bad Credit" loan.

How to Get Approved with Poor Credit

To maximize your chances of a "Yes" and a lower interest rate:

1. Proof of Stability: Lenders love stability. Being at the same job or residence for 2+ years is a huge plus.

2. Down Payment: Even $500 or $1,000 down reduces the lender's risk.

3. Realistic Budget: Let us guide you to the inventory that fits your approval. We might start you in a Jayco Jay Flight SLX or a Forest River Cherokee to keep payments low and manageable.

Rebuild Your Score While You Camp

The best way to fix poor credit is to take on a manageable installment loan and pay it perfectly. An RV loan is ideal for this. It diversifies your credit mix (it's not a credit card) and demonstrates you can handle a monthly obligation. Many of our clients refinance their RV loan after 12–24 months of on-time payments to get a lower interest rate once their score has improved!

Inventory Options for Poor Credit Buyers

You aren't restricted to the "back lot." We frequently secure poor credit financing for:

• Entry-Level Travel Trailers: Brand new units with full warranties.

• Used Fifth Wheels: Older, higher-end models that offer great value.

• Tent Trailers: The most affordable way to get financed and get outdoors.

Let’s Turn That Score Around. Get an RV, enjoy your summer, and rebuild your credit all at once.

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