Summary
Bad credit? No problem. RV Depot offers in-house RV financing for all credit types. Good RVs, fair payments, and a 6-month warranty included!
Dreaming of life on the open road but worried your credit history might slam the brakes on your plans? You’re not alone. Questions like “Can I really finance an RV with bad credit or no credit?” or “Am I stuck with one of those no-credit-check places and beat-up campers?” are more common than you think.
Here’s the good news: bad credit doesn’t mean a bad RV or a bad deal. At RV Depot, we specialize in second chances and fresh starts. We’ve built our entire business on the belief that your credit score doesn’t define you — your future does.
Beyond the Credit Score: We Look at the Whole Story
At most banks, your credit score is the end of the conversation. At RV Depot, it’s just the beginning.
We’ve been saying “yes” when others say “no” since 1990. Why? Because we know that life happens — medical bills, layoffs, divorce, and unexpected expenses can damage even the best financial records. That’s why we don’t judge based on numbers alone. We want to understand your journey, not just read your report.
Our in-house financing program allows us to work directly with you — not through third-party lenders with strict credit requirements. That means we can approve customers who might be turned down elsewhere. It also means we’re investing in you, not just the paperwork.
Good RVs at Fair Prices — No Junk, No Gimmicks
Let’s clear up another myth: bad credit financing doesn’t mean you have to settle for a rundown RV with sky-high payments.
At RV Depot, we keep a huge variety of clean, inspected, and road-ready RVs — from compact travel trailers to spacious fifth wheels and motorhomes. Whether you’re looking for an affordable starter unit or something full-time-livable, we’ve got options for every lifestyle and every budget.
Plus, we’ll work with you to build a payment plan that makes sense. No pushy sales tactics. No overwhelming monthly bills. Just honest deals that help you move forward.
Our Quality Promise: Because Peace of Mind Matters
We don’t just put you in an RV — we stand behind it. Every RV we finance through our in-house program is inspected by certified technicians in our state-of-the-art service center before you ever hit the road.
And here’s something you won’t find at a lot of other dealerships: a 6-month limited warranty included with every in-house financed towable RV. That means even after you roll off the lot, we’ve still got your back.
Because your RV journey should begin with confidence — not a trip back to the shop.
The Bottom Line: You Can Do This
To answer your original question: yes, you really can get an RV loan with bad credit.
At RV Depot, we’re not here to judge your past — we’re here to help you build an exciting future. Whether you’re starting over, starting fresh, or just ready to start your RV adventure, we’re ready to help.
With over 30 years of experience and tens of thousands of happy campers served, we know what it takes to make RV ownership possible — no matter where your credit stands.
Let’s Make It Happen
No gimmicks. No judgment. Just real people helping real people get into real RVs. Explore our massive inventory, talk to our friendly team, and discover how easy it is to own an RV—no matter your credit score. Your perfect RV is waiting — and your second chance starts now.
👉 Check out our RV listings now
👉 Apply for financing
👉 [Or visit us in person and let’s find your dream RV together.]