Second Chance RV Financing: Your Fresh Start on the Open Road

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

Work Phone

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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What is Second Chance Financing?

Second Chance Financing is exactly what it sounds like: a specialized loan designed for people who have been turned down by traditional banks. Unlike standard loans that rely almost entirely on your credit score, Second Chance loans are asset-based.

Because we are lending you money for a physical asset (the RV) that retains value, our lenders are willing to take a "calculated risk" on you. This allows you to bypass the strict "computer says no" algorithms of the big banks and get a manual review by a human underwriter who wants to approve you.

How an RV Loan Rebuilds Your Credit

Many people don't realize that financing an RV is one of the most powerful ways to rebuild a damaged credit profile.

• Installment History: An RV loan is a major installment loan. Making regular, on-time payments demonstrates to the credit bureaus that you are stable and responsible.

• Credit Mix: If you only have credit cards (revolving credit), adding an installment loan diversifies your profile, which boosts your score.

• Future Opportunities: After 12–24 months of perfect payments on your Second Chance loan, many clients see their scores rise enough to refinance at lower rates or qualify for mortgages.

We Don't Judge—We Approve

Our Finance Managers have seen it all. We understand that good people go through bad times.

• Privacy First: Your application is handled discreetly.

• No "Shotgunning": We don't blast your application to 50 lenders, ruining your credit score further. We carefully select the one Second Chance lender that fits your profile best.

Inventory Available for Second Chance Buyers

You might think Second Chance financing limits you to old, run-down units. That is not the case at RV Canada. We frequently secure approvals for:

• Brand New Travel Trailers: Entry-level models like the Jayco Jay Flight SLX or Wildwood FSX are often easier to finance than used units because they have full warranties and predictable value.

• Certified Pre-Owned: Late-model used RVs that have been inspected and are ready for the road.

• Pop-Ups & Hybrids: Affordable options that fit almost any budget.

Steps to Secure Your Second Chance

1. Apply Online: Use our secure form to tell us your story.

2. Verify Income: Have your most recent pay stubs or bank statements ready to prove you can afford the monthly payments.

3. Find a Down Payment: A down payment (or a trade-in vehicle) is the "secret weapon" for Second Chance approvals. It shows the lender you are committed.

4. Drive Away: Sign the papers and start your new chapter.

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You Deserve a Second Chance. Let’s get you approved and back on the road to financial health.

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