Campervan Finance2023-01-10T15:22:54+00:00

Get your campervan finance first

Any vehicle | Any dealership | No deposit | All credit scores considered

Get a quote

No obligation, no impact on your credit score

Rates from 8.9% APR. Representative APR 26.9%

Representative Example: Borrowing £5,700 over 60 months with a representative APR of 26.9%, the amount payable would be £164.18 a month, with a total cost of credit of £4,150.80 and a total amount payable of £9,850.80.

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Can you help me finance a campervan?

Yes, we think you should. Why? Because finance makes buying your new motorhome quick and hassle free. With motorhome finance you could:

1. Have the money sorted – with the money ready and waiting, you can enjoy getting on with choosing your new motorhome.

2. Increase your choices – finance could allow you to access a wider range motorhomes, so you get what you want.

3. Be enjoying your new motorhome sooner – with a decision on finance in minutes, we could have you on the road quicker than you think.

For a rough idea of what you might be paying each month, our motorhome finance calculator can help.

Do I need to have a great credit score to apply for motorhome finance?

No, is the short answer. We know that not everyone has the best credit score, but we don’t think that should stop you from getting your new motorhome. So, we’ve teamed up with a wide range of lenders, who can offer finance to people with all kinds of credit scores – good or bad. So don’t let a less-than-perfect credit score put you off applying, let’s see if we can help. And, if you want to improve your credit score, being accepted for motorhome finance is a great way to go about it.

I’m not sure what kind of motorhome to buy. Can you help me find something?

We certainly can. We’re all fanatics at the Vehicle Financer, so asking us to help you find the perfect motorhome for you, is like a dream come true for us. No really, we’d love to help you out. Give us a call, we can ask you a few questions about what you want and need from your next motorhome and then we’ll get right on it. Once we’ve found something you love, we’ll get on and sort out the finance too.

What will you need to know give me a quote for motorhome finance from The Vehicle Financer?

Nothing too complicated, just the usual stuff you’d be asked for when applying for any kind of finance. So, we’ll need your name, date of birth and your employment details. And, to give you an accurate quote, we’ll need to know what your credit score looks like. To do this, we’ll need your last three years worth of address details. This is normal, and won’t affect you credit score because we do what’s called a ‘soft search’. A ‘hard search’, which could affect your credit score, is only done if you decide to go ahead and apply for finance.

Let’s get started

Answer the questions, it’s the usual stuff – name, time at current address that kind of thing – and we’ll do the rest.

Get a quote

No obligation, no impact on your credit score

Why The Vehicle Financer

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We’re finance experts

We work with a wide range of lenders, who we know and trust. This helps us get the very best vehicle finance deal for you.

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We’re vehicle experts

We’ve been in the vehicle finance business for over 20 years – we know our stuff. Find your own motorhome, or tap our knowledge, it’s up to you.

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We’re customer service experts

We want you to be happy and we’ll do everything we can to make that happen. If you need some help, just ask.

Our experts know the answer

I want to buy a motorhome on finance, how much can I borrow?2020-06-23T20:42:11+01:00

Firstly, we’re really happy to hear that you want to buy a motorhome, good choice! We have lenders on our panel who’ll offer you from £2000, right up to £250,000. However, how much you can borrow will depend on a number of factors, including your credit score and your income. We won’t know these until you’ve completed a quote with us, then our panel of lenders will tell us if they can offer you finance and for how much. What we’re really saying is, we can’t tell you how much you can borrow until we know a bit more about you. If you fancy finding out, ask us for a quote.

How long can I take to pay my motorhome finance back?2020-06-23T20:42:40+01:00

The maximum time you can take is 10 years. We’ve chosen lenders who offer longer terms simply because we know a motorhome can be quite pricey. And, it’s usually something that’s in addition to your other family vehicles. Plus, if you’re going to be using it for holidays, you want it to be something you’re really happy with for many years to come. Taking finance over 10 years may allow you to borrow more, so you can get something slightly better than you thought you could. You can, of course, choose a shorter amount of time to pay it back, but 10 years is there if you want it.

What are the different kinds of motorhome finance on offer?2020-06-23T20:46:20+01:00

There are three types of motorhome finance offered by the lenders we deal with. You’ve almost certainly heard of one of them and you’re probably familiar with the others too.
Hire Purchase (HP) – this is one of the most commonly used types of finance.The lender pays the dealer and takes ownership of the motorhome. You then hire the motorhome from the dealer, you make your monthly payments until it’s paid in full and then the ownership passes to you.

Personal Contract Purchase (PCP) – this is very similar to HP, the finance company pay the dealer, the motorhome is theirs and you pay an agreed monthly amount to hire it from them. At the end of the agreed time, you have three options. You can either:

– hand it back and pay nothing further
– put any value left in the motorhome towards another one
– pay a balloon payment to own your motorhome, you’ll be told how much this is beforehand

All three options are legally binding contracts, so if you have any queries about how they work and what’s expected of you, speak to us, we’ll be more than happy to explain it to you.

I have a poor credit score, can I still apply for motorhome finance?2020-06-23T20:43:07+01:00

Yes, please do. We have a number of lenders on our panel who specialise in offering motorhome finance to those with a less-then-perfect credit score. We’ve done this because we feel very strongly that those with a credit score on the low side shouldn’t miss out on getting finance for their new motorhome. Sadly, having a low credit score does mean that you won’t be eligible for the best deals, but we’re confident there’ll be finance to suit your circumstances, if there is, we’ll find it. Plus, using finance to get another motorhome will, as long as you keep to the agreed payments, help you improve your credit score, which will help you get better deals in the future. We like the sound of that.

What information do I need to give you when I apply for motorhome finance?2020-06-23T20:47:20+01:00

Like all applications for finance, we’ll need to know a little about you. We ask for this information for a few reasons, we’ll use it to check your:

– ID – we need to make sure you are who you say you are
– income – we have to check how much you earn and who you work for
– credit score – this helps us understand your circumstances so we can provide you with best finance for you

That’s all you’ll need to give us to begin with. If we find finance that suits you, and you decide to accept it, the lenders will almost certainly need to see your driving licence and maybe other documents, like MOTs in some instances, to complete the finance process.

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