With a credit union it will surprise you how bad a credit score can get a loan. Banks not necessarily so. a well insulated rv is going to cost you though unless you find a used one in good shape. Just bought a 2003 Teton Grand Freedom for 30,000. Looks and in better shape than anything one can buy today for under 150,000. Without good credit anything over $50,000 likely not attainable.
2003 Teton Grand Freedom. 2006 Freightliner Century 120 with Detroit 14L and Ultrashift.. Full time going from job to job. Building and maintaining plants across the USA. Sold 2006 Mobile Suites 32TK3