Caravan Finance2022-02-26T17:49:01+00:00

Get your caravan finance first

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

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No obligation, no impact on your credit score

Rates from 6.9% APR. Representative APR 18.4%

Representative Example: Borrowing £7,500 over 48 months with a representative APR of 18.4%, the amount payable would be £216.45 a month, with a total cost of credit of £2,889.60 and a total amount payable of £10,389.60.

Extensive panel of lenders

Over 120 finance and loan products compared for you!

As a finance broker we work with a large panel of the most trusted finance and loan lenders around the UK. This means we can provide our our customers with more options to suit their budget and needs. We look to find the best rates from our panel of lenders and will offer you the best deal that you’re eligible for.

We don’t charge any fees for our service, its completely free. We offer rates from 8.9% APR all the way through to 49.9% APR for people who are looking to rebuild their credit profile.

Whether you are in Cornwall, Birmingham or Aberdeen, as an online broker, we can help you.

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No obligation, no impact on your credit score

Looking for caravan finance? We’ll help.

I’m not sure about caravan finance. Do I really need it?

Probably, unless you’re a secret millionaire. If you’re not, then caravan finance is a really good idea. It’ll let you:

1. Stop worrying about money – we sort the finance, you do the best bit, choosing your new caravan.

2. Have more choice – you might be able to borrow more than you think, meaning a bigger choice for you.

3. Get it now – saving the cash can take months, we’ll give you a decision on caravan finance in minutes.

Our caravan finance calculator gives you a rough idea of what your monthly payment might be.

If you are ready for your no obligation quotes hit “Get a quote” below.

No deposit caravan finance?

When you are looking at buying a new caravan, we appreciate it can be difficult to save a deposit especially if you have spotted that dream caravan!

A question we get asked a lot is, “Do I need a deposit for caravan finance?”. As it stands, all of our lenders offer no deposit caravan finance options. However, due to how hire purchase works, if the caravan is overpriced or has any extras then the lender may ask you to put the difference in. Don’t let this put you off, as this isn’t applicable in all cases.

The only other time we would ask you to pay a deposit would be to the dealership to take the caravan off sale, so it’s not sold to someone else whilst we sort the paperwork. This is usually around £100 deposit and can be made refundable. But this is something we will discuss with you.

If you have saved a deposit already that’s great news, as adding a deposit can reduce your monthly repayments and the amount of interest you pay back overall.

Apply today for no deposit caravan finance deals and you could be towing your new caravan this week!

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No obligation, no impact on your credit score

Thousands of used caravans for sale

Some of the biggest dealers in the UK we work with who you can buy from

At The Vehicle Financer, we have financed 1,000s of caravans which we have sourced for our customers. As caravan experts as well as finance experts, we are confident we can help you find your next caravan with ease from the comfort of your own home.

As we have a large network of fully authorised dealerships we work with, we can easily point you in the right direction for your next purchase or help with your search as much as possible. If you would rather find a caravan yourself then thats also fine as well.

We will be with you every step of the way should you need it!

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No obligation, no impact on your credit score

All stock above is advertised with zero deposit over 120 months at a rate of 7.9% APR. All finance is subject to status and income. Written quotations are available on request. The rate you receive depends on your current circumstances, we will always place you with the cheapest rate should more than one offering be available.

We’ve not started to look for a caravan yet, can we still apply for finance?

Yes, in fact we’d recommend it. It really is a good idea to have your finance in place before you go looking for your new weekend getaway. Why? Well, there’s one very good reason – you’ll know your repayments and how much you can borrow. No one wants to be heartbroken when they find the perfect van, then find out that you can’t get finance for it. That won’t happen if you know what your budget is before you start looking. Get a quote now and get a decision in 90 seconds.

What information will you need to give me a quote for caravan finance?

The usual things you’d be asked for if you were applying for any kind of credit, which includes your name, date of birth, your job and how much you earn. We’ll also need your address for the last three years, so we can check your credit history. This a normal part of getting a quote and is a ‘soft search quote’ so doesn’t affect your credit history. If there’s a caravan you fancy getting, let us know about that too.

My credit score isn’t that great, can I still apply for caravan finance?

Yes, you can still apply for caravan finance even if your credit score isn’t great. We’ll be honest with you, you may not get the best rates. But, we have a wide range of lenders and we’ll certainly do our best to make sure that you get finance you’re happy with, that gets you the caravan you want too. And, as an added bonus, being accepted for finance can actually improve your credit score. Can’t be bad.

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No obligation, no impact on your credit score

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Can I still get caravan finance with bad credit?

Yes, please contact us and we’ll try to help. At the Vehicle Financer, we don’t believe you should miss out because you’ve had a hiccup with your finances that’s affected your credit score. We’ll get some details from you and search through our panel of bad credit specialist caravan finance companies to see if there’s a deal that’s just right for you. Now, we won’t lie, you’re not going to get the lowest rates of interest, which may mean you end up paying more in the end, but we’re sure you understand that already. And we still might not be able to help you, but we’ll try our best.

Find out what your monthly payments could be with our caravan finance calculator.

I applied for caravan finance and was refused, can you help?

We help people get finance who have been refused at other brokers and at dealership. We have a full panel of specialist caravan lenders that can offer people finance who have / had different credit circumstances. This includes when you:

– Have been made bankrupt.

– Are already in an Individual Voluntary Agreement (an IVA).

– Have County Court Judgements (CCJ) against you.

– Are in a debt solution, like a debt management plan.

– Have late / missed payments or arrears on other finance agreements.

But, if you were refused because of a poor credit score, we may be able to help. We have specialist caravan finance companies on our panel, who will consider lending to you. They might not offer the lowest rates, but if they decide to offer you finance, and you keep to the monthly payments agreed, your credit score will improve. Sound good? We think so.

Why The Vehicle Financer

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.

We’re vehicle experts

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

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.

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No obligation, no impact on your credit score

Will you offer me guaranteed caravan finance?

No, guaranteed caravan finance isn’t available from anyone. We know, you’ve seen those adverts saying ‘Guaranteed Caravan Finance’ or ‘Bad Credit Guaranteed Caravan Finance’ and you’re wondering why they are there. Well, put simply, they are lying and they are breaking the law. There are already rules in place, the 2010 Consumer Credit (advertisements) Regulations, to stop companies saying that they offer guaranteed finance if they are not prepared to offer it to everyone who applies. As they clearly don’t do this, it’s illegal to say they do. As well as that, there are also some circumstances, such as bankruptcy, that would make it impossible for you to get finance because it’s against the rules.

Why can I not get guaranteed caravan finance?

Finance companies cannot offer you guaranteed finance for one very good reason – it may not be right for you. They generally base this decision on two main factors:

1) Your credit score – purchasing a caravan is a large investment, and it’s part of the Financial Conduct Authority’s rules that finance companies must carry out multiple checks including affordability checks. They do this by looking at your credit history. When you apply for finance, you need to provide 3 years worth of address details. This information is used to access your credit history. When a lender looks at your credit history, they are looking at how much you already owe and to whom. They also look to see whether you’ve been able to keep to the payment arrangement you agreed to. If they see that you’ll struggle to keep to a monthly payment because you already have a lot of payments to make, they will probably say no.

2) Whether you meet their criteria – if you pass the affordability check, you then have to pass a set of criteria the finance company have. These could be nothing to do with your ability to pay, we don’t know what they are, only the finance company themselves really know.

With all these checks in place to protect you, it’s easy to see why guaranteed caravan finance is just not possible

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.

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No obligation, no impact on your credit score

Caravan finance options

Hire purchase (HP)

Getting hire purchase caravan finance through the The Vehicle Financer is one way you can finance your new caravan. Hire Purchase (also known as HP) is one of the more popular / traditional ways to finance your next caravan. No deposit needed. Same monthly repayments. No balloon payments. Protected under consumer law.

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Personal contract purchase (PCP)

Personal contract purchase is one way you can finance your new caravan. Also know as PCP it is still a popular way to purchase your next caravan. You always need a large deposit. Same monthly repayments but lower than HP. Large balloon payment at the end. Protected under consumer law.

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Personal loan (PL)

Getting a personal loan through the The Vehicle Financer is one way you can finance your new caravan. A personal loan (also known as PL) is one of the more popular / traditional ways to finance your next caravan. No deposit needed. Same monthly repayments. No balloon payments. Funds in your bank. Not protected under consumer law.

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Our experts know the answer

How long can I take to pay back the money I borrow to buy my caravan?2020-06-22T17:12:15+01:00

You can take up to 10 years to pay back the money you borrow on finance for your new caravan. Let’s face it, with the current international travel restrictions in place, now could be the perfect time to get yourself a nice little place by the sea, in the heart of the Peak District or in the highlands of Scotland. Whatever takes your fancy, we know that making it happen will mean a significant amount of money to pay out. That’s why we make sure we have lenders on our panel who offer finance contracts that last 10 years, making it more affordable for you.

Can you offer me caravan finance if I have bad credit?2020-06-22T17:12:43+01:00

Yes, we can. We’re proud to say that we are often able to find the right caravan finance for you when others can’t. We know that sometimes things go wrong with money, it can happen to us all. This can sometimes damage your credit score, making it hard to get approved for finance. We understand this and have taken the time to find lenders who specialise in offering finance to those with a credit score a little on the low side. And there’s more, if you are offered finance and you keep to the monthly payments, your credit score improves. We think that’s pretty great.

I’m ready to apply for caravan finance, what will I need?2020-06-22T17:18:17+01:00

Applying for caravan finance can be quick and simple, if you have the right bits of paperwork ready. We’ll need to know a bit about you, just the usual stuff, like your name, age and address for the last three years. We use this information to carry out some ID checks and to check your credit score too. We also need to know who you work for and what you earn each month. This is so the lenders on our panel can carry out their checks to make sure they are lending responsibly. And that’s it for the first stage. The lenders might want to see other documents, like your driving licence, further down the line, but we’ll let you know when that time comes.

What kinds of caravan finance do you offer?2021-10-05T21:34:27+01:00

The lenders we work with offer three different types of caravan finance. If you apply, you’ll be offered one of the following:

– Hire Purchase (HP) – this is the one you’ll probably know already. You don’t own the caravan until you’ve made all the monthly payments. Until that time, you are simply hiring it from the finance company. At the end of the contract, the caravan is yours.

– Personal Contract Purchase (PCP) – a bit like HP, only at the end of the contract you haven’t paid for the caravan in full. If you want to own it, you can pay what’s called a balloon payment, you’ll be told how much this will be when you sign the contract. You can also decide to hand the caravan back, or choose to use any value in the caravan as a deposit for another one.

– Personal loans – these are pretty straight forward, you own the caravan as soon as the dealer is paid. Then you simply make monthly loan repayments until the full amount is paid off.

We would advise that you make sure you fully understand the type of finance you are considering using. And if you have any questions, please do ask us, we’re here to help.

Can you help me find finance for my static caravan?2020-06-22T17:19:59+01:00

No, sadly we can’t help you with finance for static caravans. This is because some of the rules around static caravans are a little different. You could, for instance, be living in the caravan full time, or for as long as you are able each year, which means it is a place of residence, rather than somewhere you visit a few times a year. This might affect things like the type of insurance you need and so on. The finance our lenders offer isn’t designed for this, it’s for people who want the caravan as a holiday home only.

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