For a standard RV loan from a bank or credit union, the sweet spot starts around 660 to 700. That’s a “fair” to “good” score, not a perfect one. If your credit is hovering near 660, lenders will likely say “yes,” but you’ll probably get a higher interest rate. Think of it as the extra fee for the scenic route.
But here’s where it gets fun—and inspiring. Have a score below 660? Don’t you dare give up yet. Many specialized RV lenders and dealerships work with scores as low as 580 to 620. Yes, you read that right. They know life happens—a late bill here, a surprise expense there—and they’d rather get you in a camper than leave you stuck in the driveway.
What About a “Zero” Score? (Don’t Do That)
If you have no credit history at all, that can be trickier than having a low score. Lenders like to see some track record, even if it’s a little bumpy. A 580 score says, “I’m trying,” while a blank slate says, “I have no idea what this person does with money.” So, if you’re credit-invisible, grab a secured card for six months first. It’s a tiny detour for a giant payoff.
Also, keep in mind that a $50,000 towable trailer is way easier to qualify for than a $200,000 motorhome. The cheaper the RV, the more lenient the lender. That’s just math, baby!
What Is the Minimum Credit Score for RV Loan? - CheapRV
