RV Financing After Bankruptcy

A Fresh Start for Your Adventures.

Financial setbacks can happen to anyone. Whether it was due to a medical emergency, divorce, or job loss, filing for bankruptcy is often a necessary step to reset your financial life. At Leisure Days RV Group, we believe that your past does not define your future.

We have a dedicated "Special Finance" team that works specifically with clients who have a bankruptcy or Consumer Proposal on their record. We treat you with respect and work tirelessly to get you approved so you can start making memories again.

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Retail Consumer Credit Application

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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 *

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Joint Applicant Contact Information

First Name

Middle Name

Last Name

Home Phone

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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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Can I Really Get an RV Loan?

Yes. While traditional banks may say "no" immediately, we work with alternative lenders who specialize in asset-backed lending. Because an RV is a physical asset that holds value, it is often easier to get approved for an RV loan than an unsecured personal loan.

Understanding Your Status

1. Discharged Bankruptcy

If you have received your Certificate of Discharge, you are in the best position to get approved. Lenders want to see that you are debt-free and have re-established a source of income.

Requirement: We will need a copy of your discharge papers and proof of current income.

2. Consumer Proposal

If you are currently in a Consumer Proposal or have recently completed one, we can often secure financing.

The Strategy: A substantial down payment (cash or trade equity) helps significantly here, as it reduces the lender's risk.

3. Currently Undischarged

If you are currently in an active bankruptcy, financing is difficult but not always impossible. You will almost certainly require a strong co-signer with good credit to secure an approval.

Rebuilding Your Credit

Paradoxically, taking out a loan is one of the best ways to fix your credit.

Installment Credit: An RV loan is an "installment loan." consistently making these payments on time demonstrates to the credit bureaus that you are reliable again, which can boost your score faster than using a secured credit card alone.

The Reality of Rates

It is important to be realistic: post-bankruptcy interest rates will be higher than "Prime" rates. However, many of our clients use these loans as a stepping stone. After 12–24 months of perfect payments, you may be able to refinance at a lower rate as your credit score improves.

Let's Talk Options.

You don't have to navigate this alone. Our finance managers are experts in structuring deals for approval.

Get Pre-Approved Today.