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A bad credit rating may be preventing you from getting affordable financing. But there are some easy ways to improve your situation, so you can get the loan you need to enjoy the lifestyle of RVing.

RV loans for people with no credit or bad credit are widely available. Most dealerships will continue their search for lenders on your behalf after you've submitted an application, and if they're unable to secure a loan for you that doesn't mean there aren't any options out there. buy now pay later no credit check instant approval no money down

At first glance your prospects of securing an RV loan might seem bleak unless your credit is good... at least 720 on a scale of 300-850 (where 850 is perfect). But it's not quite as hopeless as it seems - many people who had very bad credit have turned it around.

Here are some practical steps you can take to improve your chances of getting an RV loan, even with a poor credit rating:

  1. Don't panic if you've made some financial mistakes in the past - everyone has. Lenders realize that people sometimes mismanage their money, and they're always looking for signs that you're ready to repay them in full and on time. If you show that you can handle your bills now, then lenders will be more confident about lending to you again in the future. Letting your current debts pile up is not good either though... make sure all of your monthly bills are paid on time. A payment history with late or payments will come back to haunt you.
  2. Keep your current job for at least 3 months before you even try to secure an RV loan. Though some lenders will accept self-employed borrowers, many want the security of a steady income and a record of on-time payments during that time period.
  3. If you don't have any established credit then start building good credit habits as soon as possible. You'll need to check your credit report first and see how it's been damaged by past financial mistakes. If there has been no damage done yet, then you should contact each agency and place a fraud alert on your file which will prevent creditors from accessing your information without permission - this prevents them from approving new credit without clearing it with you first.

You should also start using a secured card or two during this time - and make sure you pay off your balance in full every month. This is important because lenders will look at the amount of debt compared to available credit when figuring out how much they can loan you, so having more than 30% of your total credit line used means they'll likely decide against giving you an RV loan. You can find unsecured credit cards for people with bad or no credit by checking online for cards that suit your situation (for instance: and, and some may even approve your application without a security deposit (which we do not recommend taking them up on).

  1. You need to know exactly how much you can afford in order to get an RV loan, so be sure to work out your budget before you start looking at specific models. This will also help you figure out whether or not you can actually afford the monthly payments on the loan amount you are approved for. If there is no way that you can pay more than $500 towards your RV loan per month then they'll turn down even a perfectly good application.
  2. You should consider refinancing any outstanding high-interest debts with one of the many companies that offer debt consolidation loans if it means lowering your interest rate and making one single payment each month - this includes car loans, credit cards and personal loans (not including payday loans). It can help to get a consolidation loan from the same institution that you originally took out your original high-interest debt with, as it might provide a certain degree of customer loyalty.

Make sure your RV is fully paid off before you apply for an RV loan unless you have the down payment saved up and ready to go. The last thing you want is to be paying two sets of interest charges each month - one on your old loan and another on your new financing vehicle. That will leave less money for buying groceries, cleaning supplies and other things that are essential for enjoying life in your RV!