In-House RV Financing, No Credit Check
Approval is based on your down payment, not your credit score.
We Finance You Directly
Camper Haul RV finances the RVs we sell. No bank in the middle, no outside lender deciding your future. We set the rules, and ours is simple: approval is based on your down payment, not your credit score.
If you have been turned down before, this is different. We look at what you can put down today, not what happened to your credit.
No Credit Check. None.
We do not pull your credit report or ask for a score. No soft check, no hard check. So if this sounds like you, keep reading:
- Your credit is poor, or you are rebuilding.
- You have thin credit or no credit file.
- You have a past repossession, bankruptcy, or charge-off.
- You are new to the country with no U.S. credit history.
None of it disqualifies you. This is buy here pay here RV financing we own the paper, so we make the call.
Who Qualifies
- Be at least 18 years old.
- Have a valid government-issued photo ID.
- Have verifiable income.
- Be able to make the down payment.
- Carry insurance on the unit once it is yours.
No minimum credit score, because we do not look at one.
How Your Down Payment Decides Your Approval
Your down payment lowers the balance we finance, shortens the term, and speeds approval. Put more down, owe less, finish sooner, pay less overall.
| Down payment | What it means for you |
|---|---|
| 20% (our minimum) | Longest term, highest payment, standard review |
| 35% | Shorter term, lower payment, faster approval |
| 50% or more | Shortest term, lowest total cost, fastest approval |
A simple example
Illustration only, on a $30,000 travel trailer. Your numbers depend on the unit and terms.
| Down payment | Cash down | Amount financed |
|---|---|---|
| 20% | $6,000 | $24,000 |
| 35% | $10,500 | $19,500 |
| 50% | $15,000 | $15,000 |
Same trailer, three very different balances. That is why we ask about your down payment first.
Documents You Will Need
Three things. Have them ready and it moves quickly:
- A valid government-issued photo ID
- Proof of income recent pay stubs or bank statements
- Proof of address
You will also need insurance on the unit before delivery, but you do not need it to apply.
How to Apply
- Pick your unit, or tell us what you are after.
- Tell us your down payment. This shapes everything else.
- Send your documents to info@camperhaulrv.com, or bring them to Fairfield.
- We quote your terms in writing amount financed, payment, schedule, length.
- Sign and pay your down payment.
- Take delivery, here or shipped to you.
Start now: fill out the financing form, or text 321-297-4535.
How Long Approval Takes
We decide quickly once we have your three documents and your down payment amount. Bigger down payments move faster, because there is less for us to review. If something is missing, we message you rather than sitting on the file.
Payment Terms
- Payments: monthly
- Interest rate or finance charge: quoted per unit
- Term length: set per unit and confirmed in your written quote
Your exact payment is on the agreement you sign, before you owe anything. It does not change later.
Late Payments and Default
We would rather work with you than take a unit back. Message us before the due date if money is tight.
- Late fee: 2% of the overdue payment.
- If you fall behind: text us. We would rather set up a plan than take a unit back.
- Repossession: possible if the account goes into default, following California law and the terms of your signed agreement.
We contact you in writing before that step. It is the last thing we want.
Paying Off Early
You can pay off your balance early at any time. Text us for an exact payoff figure, good through the date we quote.
Title, Registration, and Insurance
- Title transfers to you at delivery, once your down payment is paid.
- Registration: you register the unit in your state.
- Insurance: required while you are making payments. Send proof before delivery and keep it current.
International Buyers
We finance and ship worldwide. Same process, two differences: freight is quoted separately, and you handle customs, import taxes, and registration in your country.
Email info@camperhaulrv.com with your country and the unit you want for a landed quote.
Frequently Asked Questions
Do you check my credit?
No. No credit report, no soft check, no score. Approval rests on your down payment, ID, and income.
What if I have had a repossession or bankruptcy?
It does not disqualify you. We do not review credit history. What matters is what you can put down now and keep up after.
How much do I need down?
Our minimum is 20% of the unit price. More down means a shorter term, a smaller payment, and faster approval. Tell us your number and we will tell you what it buys.
Can I finance a motorhome the same way?
Yes. Campers, travel trailers, toy haulers, and motorhomes use the same process. Motorhomes cost more, so the dollar amount down is higher.
Do you finance international buyers?
Yes, worldwide. Freight is quoted separately; you handle customs, duties, and registration.
What happens if I miss a payment?
Message us first that solves most of it. A 2% late fee applies to the overdue payment. If you fall behind, we would rather set up a plan than take the unit back, and we always write to you before any further step.
Get Your Number Today
Tell us your down payment and the rig you want. We will tell you what you can get approved for.
- Text: 321-297-4535
- Email: info@camperhaulrv.com
- Monday–Friday, 9:00 AM – 6:00 PM Pacific