Lenders look at your credit score and history, income, and debts to assess your ability to repay any loan, including an RV loan. And since RV loan amounts tend to be higher than the loan amount for a typical car, the lending criteria can be a little more stringent. If you have a less than stellar credit history or other personal finance issues, talk to an Affinity representative. There may be ways we can help, for example, by suggesting that you get a co-signer to the loan.