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Apply for your RV Loan before you walk into the RV Dealership


In these tough economic times, it's more and more important that people take the time to lessen stress in their lives. For a family, an RV can be just the thing. It's ironic, really, but because of these tough economic times'impact, many families now have bad credit, making it - they think - impossible to get approved for a loan in order to get that RV of their dreams.


Now, you can turn those dreams into reality with guaranteed RV financing.



Even if you have bad credit, there are special financial lenders that can help you get approved for an RV loan, fast, painlessly, and often, with no credit check! If your heart is set on a new RV or even a used RV, it's time to take action that will get you behind the wheel, and driving down a new road of possibilities.


Know that many financial lenders exist online that can give you a lending hand, so obviously, online is a great place to start looking for them. Right off the bat, know that two criteria need to be met to be approved for RV loans with 99.99% of these lenders: 1) you need to be 18 years old or older in order for any contract to be enforceable and legally binding in the United States, and 2) you need to have a steady job.


Note that if you're military, that is your job. It's especially easy for those in the military to get approved for loans - in fact, many military bases have credit unions on base that can help you.



So, if you're an adult and can prove to a prospective lender that you have an ability to pay back a RV loan, you are in business and primed and ready to take advantage of guaranteed RV financing. When you search for subprime lenders online, often you'll be given a comprehensive list of financial lenders that you pre-qualify for - it's up to you to review each of the lender's loan offers carefully.


Here's some of the things you need to review when it comes to lenders' offers: loan interest rates, type of interest rate options (variable, fixed, etc), loan term / payment schedule; monthly payments, and ultimately, what the total cost of the RV will be to you, incorporating interest, fees, etc.


It helps - but not necessary - if you're able to make a down payment on the RV that you have in mind since this will build equity in the loan agreement, and ultimately lower your monthly payments, interest rates, and / or shorten the term of the loan.


Now that you've review all of the offers online, you can narrow down to those offers that are the better deals.

In addition to online financial lenders, know that there are probably land-based RV dealers in your area that may offer in-house financing, particularly useful for those with particularly bad credit. To make the most of your search, we recommend checking online and offline to find the best deal for you.



Bank of America Financing RV Application and Rates


BOA Credit Application


Excel Credit


Excel Credit Application


Payment Calculator: RV Payment Calculator


Michigan Dealers


705 North US Highway 31 South, Traverse City, MI 49684-7921 (231) 943-4050


All Seasons RV
4701 Airline Road, Muskegon, MI 49444 (231) 739-5269

All Seasons RV Credit Application


American RV Sales and Service
201 76th Street Southwest, Grand Rapids, MI 49548 (616) 455-3250 – (616) 455-5100

American RV Sales and Service Credit Application


Lakeshore RV Center
4500 East Apple Avenue, Muskegon, MI 49442 (231) 788-2040

Lakeshore RV Center Credit Application


Texas Dealers


Genes Campers & Repair
5723 South 1st Street, Abilene, TX 79605 (325) 695-2275


United RV Center
5100 Airport Freeway, Fort Worth, TX 76117-5988 (817) 834-7141

United RV Credit Application


American Truck & RV
4110 Ben Ficklin Road, San Angelo, TX 76903-9443 (325) 653-1978


Professional Sales RV
1809 John McCain Road, Colleyville, TX 76034 (817) 488-9542 – (800) 899-2800

Professional Sales RV Credit Application


Tennessee Dealers


Cullum & Maxey Camping Center
2614 Music Valley Drive, Nashville, TN 37214 (615) 889-1600


Family Campers
101 Southside Park Drive, Lebanon, TN 37090-8847 (615) 547-0000


Chilhowee RV Center
4037 Airport Hwy, Louisville, TN 37777-5330 (865) 970-4085

Chilhowee RV Center Credit Application


Bankston Motor Homes
2588 Music Valley Drive, Nashville, TN 37214-1003 (615) 883-6800

Bankston Motor Homes Credit Application


Ohio Dealers


Craig Smith RV Center
7459 Ohio 309, Galion, OH 44833-9735 (419) 462-1746


Cruise America Motorhome Rental
4300 East Main Street, Whitehall, OH 43213-3033 (614) 231-8210


Youngs RV Center
1450 Dickinson Street, Fremont, OH 43420-1172 (419) 334-2648

Youngs RV Center Credit Application


Ron Gist RV & Auto Sales Inc
169 G Street, Caledonia, OH 43314-9433 (740) 389-2516


Florida Dealers

6130 Lazy Days Boulevard, Seffner, FL 33584-2968 (888) 500-5299

LazyDays RV Credit Application


El Monte RV Rentals & Sales
3702 Rio Vista Ave, Orlando, FL 32805 (407) 872-7730 – (888) 337-2203