Personal Motorhome Loans For Good and Bad Credit

Can I get a personal loan for a motorhome?

Yes, you can use a personal loan to purchase a motorhome. Personal loans offer a flexible financing option that doesn’t require collateral, but there are a few key considerations:

• Cost of the motorhome: Personal loans can be offered up to $100,000, depending on your credit score and lender. If you need more than that, a secured loan may be a better fit.
• Where you're buying from: If you're purchasing from a private party, a personal loan may be the easiest route. If you're buying from a dealership, they may offer financing options that could be more streamlined.

Since personal loans don’t use the motorhome as collateral, you aren’t limited by age, mileage, or condition—making them a great option if you’re on a budget or shopping the private market.

Can I get motorhome financing with bad credit?

Motorhome loans for bad credit are available but can be harder to qualify for. A secured loan—where the motorhome acts as collateral—may be easier to obtain with poor credit, but keep in mind that missed payments could result in the lender repossessing the vehicle. To improve your chances of approval, consider boosting your credit score or applying with a co-signer who has strong credit.

Do I need a credit check for a motorhome loan?

Yes, most motorhome loans require a credit check. While there are a few no-credit-check options—like payday or pawn loans—they typically don’t offer high enough loan amounts to cover a motorhome purchase. If you're just exploring options, you can check personal loan offers at Acorn Finance with no impact to your credit score.

Most motorhome loans require a credit check. While there are some loans like payday loans or pawn shop loans that don’t require a credit check, these are generally not large enough to cover the cost of a motorhome. If you’re in the early stages of determining if a motorhome loan is within reach, you can check personal loan offers at Acorn Finance with no credit score impact. 

What credit score is needed for a motorhome loan?

Credit score requirements vary by lender. Most lenders on the Acorn Finance platform have a credit score cut off of 600 or higher, but some—like OneMain Financial—have no minimum score. Instead, they consider factors like income and overall credit history. In general, larger loan amounts are more accessible to borrowers with good credit.

Is it easier to get financing for a new or used motorhome?

It depends on the type of financing you’re using and your qualifications. In general, new motorhomes may be easier to finance through dealerships or secured loans since they hold more value and meet lender criteria. 

Used motorhomes, especially older models, can be harder to finance through traditional RV loans—but a personal loan may offer more flexibility regardless of the vehicle’s age, mileage, or condition. Your credit score, income, and loan amount will also play a key role in determining which option is simpler to qualify for.

See Also

• Truck Loans For Bad Credit
• Semi Truck Repair Loans
• Tow Truck Financing
• Car Repair Loans For Bad Credit
• Transmission Repair Financing
• Personal Loan to Buy a Car
• Auto Loans for Bad Credit
• Used Car Loans for Bad Credit
• Auto Repair Financing
• Classic Car Loans for Bad Credit
• Car Repair Loans for Bad Credit
• Private Party Car Loans With Bad Credit
• Personal Loan vs. Auto Loan
• Car Accident loans
• Car Loan Refinancing For Bad Credit
• Wheel and Tire Financing
• Personal Motorhome Loans
• Personal Loan For Down Payment On Car
• Utility Vehicle Loans
• Dune Buggy Financing
• Go Kart Financing