RV for sale no credit check

RV rent to own

RV Loans from No Credit Campers are quick, easy and competitive. They are also a perfect solution for those who are looking to purchase an RV. There are several advantages of RV ownership including spending more quality time with your family, great way to see the country’s most beautiful places and an opportunity to go wherever you want to. RV’s are perfect for few day’s trips and don’t forget you can part it anywhere so you never have to look for a convenient hotel.

If you’re looking around for RV financing, you have come to the right place. We offer affordable RV loans with attractive interest rates and simple application process. If you’re worried about your financial past, we can offer you a bad credit RV loan, which may ultimately save you money on family holidays. We offer a variety of financing programs and whether you’re looking to make set payments for a loan duration chosen by you, or you’d prefer something a bit more flexible, we can find an RV loan that’s right for you. Apart from standard unsecured loans we also offer a 0% RV Financing. It’s our most popular credit card program that will allow you to not only make flexible payments but also pay off early with no extra charge.

We provide 30 second approvals in most cases and aim to transfer the money onto your account within 7 days of approval. Our applications are easy to fill in and we limited amount of paperwork required. It’s simple, straight forward and help is available for all our customers in case you have any worries or questions about the loan or the application process.

If you are an RV dealer and not yet provide financing for your clients, our RV dealer financing program will be perfect for you. It will extend the level of service you provide. Also, financing is all the customer may need to make a purchase. To find out more and to set up visit our partners page.

RVing 101: What you should know

RVING 101 | RV Types

Introduction into the different types and classes of RVs and what makes each type unique.  This is the perfect guide for “newbies”.

For inventory options click here.

For financing click here.

Class A Diesel Motorhome
Often referred to as a diesel pusher motorhome. The large diesel engine on this motorhome is located in the rear of the coach, which ads extra power to the RV when compared to its gas powered counterpart. Having the engine in the rear also adds to the quietness and smoothness of the ride. The diesel engine essentially pushes the motorhome down the road. Class A diesel motorhomes are great for long trips, and cross-country adventures. In many instances they are the perfect RV for the full-time RV’er. The diesel engine usually lasts longer and is more durable than the gas engine on other Class A’s. Diesel motorhomes are the epitome of luxury RVing.

Class A Gas Motorhome
Class A Motorhomes are a popular option for full-time or long-term RV’ers. Class A’s offer many of the comforts of home including residential full-sized furniture, slide-outs for added space, often times a residential refrigerator, and even potentially a washer and dryer (depending on the RV). Class A motorhomes resemble a bus, with a vertical front windshield with large windows.

Class C Motorhome
These motorhomes are usually built on a truck chassis and attached to the cab portion. Some manufacturers of Class C engines include Chevy, Ford, and Mercedes Benz. Class C RV’s have a distinctive “cab-over” profile that makes them easy to recognize. Many class C’s offer similar amenities to their class A counterparts, just on a smaller chassis. Class C Motorhomes are perfect for RVers of all types from families, to singles, to those that love remote exploring and camping.

Fifth Wheel
Fifth wheels are the largest type of towable RV. They are pulled by large pick-up trucks with a special fifth wheel hitch. Fifth wheels have large living spaces, and are easy to tow given their size.

Travel Trailers
Travel trailers are quite possibly the most recognizable form of RV on the roads and in campgrounds today. The Travel Trailer is also known by many as the “camper.” It is designed to be towed by a bumper hitch or a frame hitch. Travel trailers were designed with all types of RVers in mind. Multiple floor plans and styles are available to suite your every need. Travel trailers are favorites amongst RVers who enjoy the freedom of having a vehicle to enjoy their destination and a complete home unit wherever they are.

Fold Downs
Fold Downs are also commonly known as a “camper trailer,” “pop-up,” or tent trailer. This form of RV is versatile, and perfect for the young family who is looking to enter the towable RV marketplace. Camper trailers have often been the constant fixture in family camping throughout the years. Many times “pop-ups” are the first trailer that an RV’er purchases. They are lightweight, which means they are towable by virtually every type of vehicle. These towable RV’s are available in a variety of lengths, and often are available with options such as refrigerators, hot water, air conditioning, and even bathrooms.

Truck Camper
Truck campers are in many ways the most versatile type of RV. These recreational vehicles are capable of going anywhere your pick-up truck would go. In fact they affix right to the back of a truck, over the truck bed. The truck camper has been around since the early 1950’s and innovations wheels usually have large ceiling heights and more slide-out rooms when throughout the years have made the interiors much larger and expansive than when they were first introduced.

Expandables
Expandable RV’s are designed to be towed by mid-sized vehicles with a bumper or frame hitch. Expandables are in many ways a camper trailer with hard sides, as opposed to tent material sides. However, they do have expandable tent ends. Expandables are often the second RV in which entry-level buyers turn to after the “fold-down” camper. Expandable RV’s are often viewed as an upgrade to the camper trailer due to their durable side walls. Many expandables come with a kitchen, living space, bathroom, and even a slide out.

Toy Haulers
Toy Haulers are built to haul all and accommodate all of your toys. They are perfect for those RVers who want to hail snowmobiles, ATV’s, four wheelers, or even motorcycles. Toy hauler RV’s have a large cargo garage in the rear of the RV and are available in toy hauler, fifth wheel, or even motorhome styles. Find more camping reviews here.

Moving Loans Made Simple

Designed to Save.

"I received several moving quotes before choosing No Credit Campers. By far the lowest price with the best reputation." – Alison & David M.

This is just one reason so many customers choose us. But the good news doesn't stop there. Getting a moving quote has never been easier! No one comes to your home. No face-to-face, high-pressure sales. Simply straight-forward pricing that's easy to understand.

Just enter some basic information about your move, and click the big orange button. You'll get an instant view of how much it costs to move with us

.

Moving Quotes for Every Need and Budget.

In addition to low prices, No credit Campers estimates also provide solutions for virtually every moving scenario. If you don't see an option or price that fits your needs and/or budget.

Large Move?
Select the moving trailer option shown on your moving quote, and pay only for the space you use.

Small move or limited parking?
Select the ReloCube option shown on your moving quote, and pay only for the number of ReloCubes you use.

Moving on a budget?
Change your moving quote to an off-peak day, or choose a U-Pack terminal-to-terminal move and save.

Need storage?
Move and store in a trailer or a ReloCube.

Need help with labor?
Add packing and loading help.

Need a faster transit time?
Choose U-Pack Guaranteed to guarantee or expedite the estimated transit time included in your moving quote.

Rent to own RVs near me

Basic Factors Involved in RV Loan Approval

Lenders look at several factors when underwriting each RV loan. Every lender is different and stronger areas of your credit profile can help outweigh weaker ones. There are several consistent factors that each lender will pay careful attention to when considering a potential loan.

1. Credit Score - When evaluating the purchasing of a car or even a home, lenders commonly grant an approval based on factors and credit scores lower than those required to purchase an RV. These items, RVs and boats, are considered luxury items. If you were to lose a job, become disabled, or become unable to pay your normal bills, then it is common sense to assume you will stop paying "luxury" items first.

RV lenders normally require a credit score of approximately 700 or better, with no visible credit history of bankruptcies, repossessions, foreclosures, liens, etc. Even late payments as recent as the last several years can be reason for them to decline a loan

2. Debt-to-Income Ratio - Your debt-to-income ratio is the percentage of your monthly revolving debt in relation to your gross monthly income.

Revolving debt is generally considered to be expenses such as monthly mortgage payments, auto payments, credit card debt and other things that may contribute to your monthly debt obligations. Monthly expenses like utilities and other personal items such as cell phone bills are not considered in computing debt-to-income ratios.

Complete Our EASY On-Line Application Now!

Currently, lenders are limiting the maximum debt-to-income ratios at 42% to 45%. As little as an additional percent or two can be cause for a decline. You can figure your own debt to income ratio by dividing your total monthly revolving debt by your gross monthly income.

For example, to figure your own ratio, use a calculator as follows: $4,000 (monthly debt) divided by $10,000 (monthly income) equals 40% (debt-to-income ratio). Your own figures won't be as simple as this example, but be sure to use "monthly debt divided by monthly income" to get the correct percentage.

3. Liquidity - Liquidity is basically your total amount of readily available cash. Things that are considered are checking accounts, savings accounts, securities and investments. Company retirement accounts that are inaccessible or cause serious penalties for withdrawal are normally not regarded as "liquid assets".

In other words, how much money do you have available to pay bills if your income is interrupted, either temporarily or permanently? There is no set amount or ratio that can be computed. Each lender and situation is evaluated on a case-by-case basis. Excellent credit could allow a lender to accept lower liquidity and vise versa.

4. Loan Value - As with nearly every type of loan, the value of the item being purchased is a consideration. An RV's value is normally determined by its "book value" as listed in the N.A.D.A. valuation guide. Some lenders add value for optional equipment while others do not. Each has its own formula for determining the loan value of a particular RV.

You can look up RV values at NADA RV Values website, but be cautious of how many options you check as applicable. Many of these options are considered standard equipment by both the lender and the unit's manufacturer. For example: A refrigerator is always standard equipment, but a larger, side-by-side with an ice maker would be considered optional equipment.

Since the loan value of a particular RV is a major factor considered in the approval of each RV loan preapproval, you will need to provide basic information on one specific unit, no matter if it is for an actual loan approval or a pre-approval.

It's normally advisable to wait until you have narrowed down your choices to a particular type, year and price range. You can then provide a subject RV's information for the pre-approval. As long as you stay close to the subject vehicle's basic information, the lender can simply switch the collateral (RV information) on the same approval.

Pros and Cons of RV Loan Pre-Approval

You should be wary of "shopping" your RV loan pre-approval to multiple brokers since each one will pull your credit report from one or all three credit bureaus several times. Each broker's loan processing department will need to pull your credit for their own records and information as well as any lender(s) the loan is sent to for potential approval.

Complete Our Easy RV Loan Pre-Application Now!

Multiple credit inquiries can lower your credit score by several points per inquiry, although lenders realize that some inquiries are part of any loan approval and consider a few to be normal. Excessive inquiries, 3 to 4 or more in a very short period of time can damage your borrowing ability. Multiple credit inquiries or "Hits" as they are sometimes called, may appear as if you are shopping for loans because you have been turned down elsewhere, even if that isn't the case.

By applying with a single broker or lender you can avoid the problem of multiple financing inquiries on your credit report on the three major credit-reporting agencies. Also, by having your RV loan pre-approved you are able to close on your purchase much faster than if you wait until you find the exact unit you decide to purchase. This is especially helpful when buying on eBay, from other online sources or from a seller who may have other potential buyers who could "beat you to the punch" while you wait for your loan approval.

Just as you shop for the exact RV you may decide to purchase, it is wise to do your homework and check the rates, fees, and terms of various lending sources before you apply for your loan pre-approval. Once you have narrowed your choices down to one or two sources, then you can proceed with your RV loan pre-approval application. Once approved, you will be prepared and ready to purchase the RV that's just right for you.

Learn, Save and Enjoy!

Cheap Places to Travel in rent to own RV

Boondocking on public land is a great way to avoid the crowds in RV parks and save some money on camping fees. The Bureau of Land Management (BLM) has over 400 campgrounds and almost all of them have sites that can accommodate RVs.

These BLM campgrounds don’t have hookups or dump stations, but their low nightly rates reflect the lack of amenities. Come prepared and you can get total peace and quiet for less than $20 a night.

1. Ken’s Lake, Utah

South of Moab and Arches National Park, Ken’s Lake has 31 well-spaced sites that can fit motorhomes of all sizes. The campground has a quiet, beautiful setting with views of the lake and the nearby La Sal Mountains.

Sites are only $15 per night and available first-come, first-served. The campground has no potable water, so be sure to bring your own. The area has over three miles of hiking trails for views of the lake, Moab Valley, and Faux Falls.

2. Edson Creek, Oregon

Edson Creek Campground, only fifteen minutes from the Oregon Coast, is located in an open meadow where the creek flows in the Sixes River. The 27 campsites (and 5 group sites) have picnic tables, fire rings, and access to restrooms and potable water. There is also a day-use area and a boat ramp just across the street.

Edson Creek Recreation Site. Photo via BLM, Flickr

Sites are only $8 a night ($30 for group sites) and $4 per extra vehicle. The campground is only a short drive away from the coastal beaches, hiking trails, and shops and restaurants in Port Orford.

3. Devil’s Elbow, Montana

Northeast of Helena, Devil’s Elbow Campground has 42 campsites overlooking Lake Hauser, a reservoir on the Missouri River. The level, gravel sites can fit any size RV and all have views of the lake and surrounding mountains.

Devil’s Elbow Campground. Photo via Recreation.gov

The lake also has year-round fishing for trout, walleye, and kokanee salmon. Sites are only $15 a night with a limit up to 14 days. You can reserve a site ahead of time for Loop A and Group Camping, but the rest of the sites are first-come, first-served.

4. Wild Rivers Recreation Area, New Mexico

In Northern New Mexico, Wild Rivers Recreation Area is located within the Rio Grande del Norte National Monument. It’s very remote and off-the-beaten-path, but you’ll be rewarded with solitude and impressive views for only $7 a night.

Wild Rivers Recreation Area. Photo by BLM New Mexico

The 13-mile Wild Rivers Backcountry Byway branches off the main highway and leads past the campgrounds and trailhead parking lots. The recreation area also has a visitor center with maps and more information on the local history and geology.

5. Goodale Creek Campground, California

The sites at Goodale Creek have sweeping views of the Sierra Nevadas, Inyo Mountains, and Owens Valley—and they’re only $5 a night. However, the primitive campground has no water or restrooms, and the nearest amenities are in Big Pine about ten miles north.

Goodale Creek. Photo by BLM

Get approved for an RV loan with bad credit

Get approved for an RV loan with Bad Credit

No Credit Campers RVs specializes in loan approval. We work with a number of lenders including national banks, local credit unions, and some banks that work exclusively with sub-prime RV and Travel Trailer loans. While the decision is ultimately up to the banks, we will try our best to get you approved at the best rates possible, no matter what your credit situation is. Get started here!

One reason No Credit Campers RVs has such good luck with bad credit approvals is because our prices are typically well below the "book value." Banks love this because it is a safe investment.

In order to maximize your chances for approval, please keep the following in mind when looking for your RV:

• Look for RVs less than 10 years old

• Look for a selling price that is below NADA book value (most of our inventory will fit this)

• Towables are easier to get approved than Motorized RVs

• The loan amount should be between $5,000 and $40,000 (not an absolute ceiling)

• When deciding on a budget, be sure to factor in a higher interest rate (typically between 17 - 20%)

• At least 10% down is required for sub-prime loans (your trade can count toward your down payment)

• Look for "part-time use" RVs and travel trailers. Banks don't like to loan to full-timers or anyone using their RV as a temporary or permanent residence.

• Your credit score must be at least 550 or above

Click here to browse RVs and Travel trailers 10 years and newer, from $5,000 - $40,000

Q: What will my payment be?

A: Payments depend on a number of factors including the loan amount, loan term (how many months), and the interest rate you get approved for. Sub-prime interest rates on RV loans generally range between 17.95% and 20.95%.

Q: Why are rates so high?

A: To answer this question, you must think like a bank. In any loan situation, the rate is always negatively correlated with your credit score. In other words, the higher your credit score, the lower the rate, and vice versa. This is because your credit score tells a bank how risky it is to loan money to you. RV loans also tend to draw slightly higher rates than car loans do, because an RV is "want" and not a "need." The bank assumes that if times get tough, your RV payment will be a lower priority than your house or car payment.

Q: What happens after I fill out the Online Financing Application?

A: The application gets sent directly to our finance manager. Before doing anything, we always contact the customer to find out exactly what he or she would like to accomplish and what steps are needed to get there. From there, the process depends on what the customer's goals are. Nothing will be done without the customer's permission.

Q. Can I get an RV loan with No Money Down?

A: Not likely. Banks typically look for at least 10% down for sub-prime loans.

Q. What is the maximum loan term when financing an RV with bad credit?

A: The maximum loan term can range from 96, up to 144! This limit depends on factors such as how much money you put down, the year and type of RV that you are purchasing, and your credit score.

Q. Can No Credit Campers RVs help me get a loan if I am buying an RV from another person?

A: No. We are not lenders ourselves, and can only help you get approved for loans on RVs and Travel Trailers that we sell. With our extensive inventory, there's a good chance you can find what you are looking for. Please browse our inventory , or contact a salesmen if you need help finding something that suits your needs!

Q: I have heard that pulling my credit report can hurt my credit score... Will my credit score be hurt from filling out the Online Financing Applications?

A: Your credit score WILL NOT be affected by filling out the Online Financing Application. Again, the application goes directly to our finance manager and no further action will take place until we contact you. That means we will not pull your credit report, send the application out to any banks, or share your information without discussing it with you first.

Q: How do I know my information is safe?

A: As stated in our privacy policy, the information that you give us by filling out the form is only shared with the banks we work with. We DO NOT SHARE OR SELL your information to any third parties, and you WILL NOT be put on any mailing or spam lists. We also keep all private information locked up in accordance with state law.

Owner Financing is the Passion

We have a true passion for Campers.

A nationwide determined team of members are helping No Credit Campers.com revolutionize the way ordinary Americans buy and finance Campers every day. Count on us to make your next Camper-buying experience the best you’ve ever had.

Who We are

No Credit Campers provides an easy and convenient way for consumers to be matched with a personal loan through our network of lenders. Our online service can enable you to get a loan of between $1,000 and $20,000, right from your home or office, or even on the go through your mobile device. We help people looking to borrow for any number of reasons, whether it be for a home improvement project, a family vacation, debt consolidation, auto repair, medical expense, or anything else.

Though our simple online process is designed to match our clients to potential lenders, we do not function as a lender ourselves. We connect consumers seeking seeking fast, hassle-free financial assistance with skilled, reputable lenders who can provide it, and we do this without charging any fees to our customers.

Through No Credit Campers, you can get needed loan funds quickly, in as little as just one business day. You don’t have to pay back these funds quickly, however, as the repayment time frame ranges from six to 72 months depending on the terms of your lender. For shorter-terms loans offered, such as installment loans, the repayment time frame may be less than six months.

What we do

We offer a short online loan request form for you to fill out at your leisure. And with only a few basic eligibility criteria for borrowers to meet, we make it simple for you to qualify for loan assistance. Once you submit your loan request we immediately go to work, searching our lender network for the loan offer that best suits your needs.

Once a loan offer is found, we redirect you to the lender’s offer page containing the details of the loan. You may have to fill out some additional information once you get to your lender’s website so please follow the lender’s instructions carefully. Your funds will be deposited directly into your checking account soon after you are approved for the loan and accept the terms of the loan. Did you know that you can save money by getting a loan through No Credit Campers.com instead of a traditional lending source? You are able to take advantage of our competitive matching service where lenders compete to provide you with a loan. You don’t have to worry about any pricey hidden charges, set-up fees or membership fees with our service.

For loan options click here