Bad Credit RV Financing

Bad Credit RV Financing: Get Back on the Road with Confidence

At Bongard's RV, we believe your credit history shouldn’t define your ability to enjoy the RV lifestyle. If your credit isn’t perfect, you still have real options. Our finance team works closely with a wide network of trusted lenders to help customers across Minnesota secure RV financing—even in more challenging credit situations.

Whether you’re rebuilding after setbacks, self-employed, or just starting your credit journey, we’re here to guide you with clear advice, flexible solutions, and a process designed to keep things simple and stress-free.

Apply today and take the first step toward your next adventure.

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Retail Consumer Credit Application

Salesperson

Are you working with a salesperson? *

If yes, which one?

RV interested in:

New/Used

Year

Make

Model

Stock #

RV Type

Primary Applicant Information

First Name *

Middle Name *

Last Name *

Date of Birth *

(mm/dd/yyyy)

Social Security # *

Driver's License # *

# of Dependents *

Primary Applicant Contact Details

Email *

Contact Phone *

Work Phone

Cell Phone

Address *

City *

State *

Zip/Postal *

Years at Current Address

Do You Own or Rent?

Monthly Payment

Financing Details

How much are you looking to finance? (ex: $22,000 or unsure)

Primary Applicant Employment Information

Years at Employer *

Employer Name *

Occupation *

Yearly Salary *

(ex $50,000)

Other Income *

Employer Phone *

Employer Address Line 1 *

Address Line 2

City *

State *

Zip/Postal *

Country *

Add A Joint Applicant

Joint Applicant Contact Information

First Name

Middle Name

Last Name

Home Phone

Work Phone

Cell Phone

Relation to Applicant

Date of Birth

Social Security Number

Driver's License #

# of Dependents

Joint Applicant Residency Information

Do you own or rent?

Monthly Payment

Years at Address

Address Line 1

Address Line 2

City

State

Zip/Postal

Joint Applicant Employment Information

Years at Employer

Employer Name

Occupation

Yearly Salary

(ex $50,000)

Other Income

Employer Phone

Employer Address Line 1

Address Line 2

City

State

Zip/Postal

Country

Comments/Questions

By submitting this application, I/We certify that the submitted information is complete and accurate to the best of my/our knowledge. I/We understand and approve any inquiries regarding my/our credit record and employment history by the financial institution(s). I/We authorize the release of information about my/our credit experience.

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RV Financing Options for Bad Credit

Not everyone fits into traditional bank requirements—and that’s okay. Our financing programs are built to support buyers who are ready to move forward, even if they’ve experienced financial hurdles in the past.

We commonly assist customers who have:

Lower credit scores
Past bankruptcies or consumer proposals
Missed or late payments
Limited or no credit history
Self-employment or non-traditional income

Instead of focusing only on your credit score, we look at your overall financial situation to help find a financing solution that works for you.

A Simple and Supportive Financing Experience

We understand that applying for financing can feel intimidating—especially if you’re concerned about your credit. That’s why our team focuses on making the process straightforward, transparent, and respectful from start to finish.

When you finance with Bongard's RV, you can expect:

A personalized review based on your income and budget
Clear explanations of rates, terms, and payment options
Access to lenders who specialize in subprime financing
Secure handling of your personal information
Guidance in choosing an RV that fits your lifestyle and budget

Many customers are surprised by the options available to them.

Tips to Strengthen Your Application

While we work with a variety of credit situations, a few simple steps can improve your chances of approval and help you secure better terms:

Consider making a down payment
Trade in your current vehicle or RV
Add a co-signer if possible
Provide accurate and complete application details
Speak with our finance team before selecting your RV

These steps can make a meaningful difference when applying for financing.

New to financing? Here’s how RV loans work so you can shop with confidence.

Wondering how much RV you can afford? Use our guide to find your ideal budget.

First-Time Buyers & No Credit? No Problem

If you’re new to financing or haven’t established much credit yet, you may still qualify. Many lenders consider factors like steady income and affordability when reviewing applications.

Our team will help you understand your options and guide you toward an RV that aligns with your budget and goals.

Proudly Serving RV Buyers Across Minnesota

Bongard's RV is proud to help customers throughout Minnesota secure RV financing solutions tailored to their needs. Whether you’re nearby or traveling from surrounding communities, our goal is to make your experience easy, comfortable, and pressure-free.