The minimum RV financing credit score ultimately depends on the lender, the RV, the loan amount, and the applicant’s overall financial profile. Other Factors RV Lenders ConsiderCredit is only one part of an RV financing application. Some online lenders, credit unions, dealerships, and specialty finance companies offer programs for applicants with credit challenges. Secured Versus Unsecured RV LoansA secured RV loan uses the vehicle as collateral, similar to a traditional auto loan. Choose an RV Loan That Fits Your BudgetThe credit score needed to finance an RV varies, but a score of 670 or higher usually provides access to a broader selection of lenders and more competitive terms.