Expect higher interest rates (often 10%–20%+) and stricter terms.

While traditional banks often require a score of 670 or higher, many specialized lenders and dealerships offer financing for credit scores as low as 550. Understanding Your Score & Its Impact

Many lenders limit financing to units under 10–15 years old.

Companies such as My Financing USA, Southeast Financial , and Good Sam specialize in RV loans for those with lower scores.

You have more options but may still face higher down payment requirements.