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.