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Caravan Finance Deals

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Rates from 16.9% APR. Representative APR 19.9%.
Car Finance 247 Limited is a credit broker, not a lender.
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Car Loans | CarFinance 247

Rates from 16.9% APR. Representative 19.9% APR. Hire Purchase (HP) Example: Borrow £10,000 over 5 years with a £0 deposit. Representative APR 19.9% fixed rate. Monthly payment: £255.50. Option to purchase fee £10 payable. Total cost of credit: £5,340.00. Total amount repayable: £15,340.00.
Car Finance 247 Limited is a credit broker not a lender.

Rated 'Excellent' by our customers

How does caravan finance work?

Caravan finance works just like any other loan. You borrow a certain amount of money from a lender to help you buy the caravan, and you agree to repay the loan over a specified period, with interest. The loan can be secured or unsecured depending on the lender and your financial situation. A secured loan is a loan that requires some sort of collateral to be attached to it, such as a car, a home, or another valuable asset that you already own. This is to provide a level of security for the lender, as they would be able to repossess the asset if you default on the loan payments.
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Types of caravan finance

Whether you’re looking for a touring caravan to take to the coast or a six-berth that’s big enough for the whole family, we could help you find caravan finance.

We’ll work to find you the best deal from our panel of lenders but there are two main types of finance available:

HP Finance – Hire Purchase is a type of vehicle finance where the loan is secured against the caravan. You’ll pay back the loan in monthly instalments and, once you’ve covered the ‘Option to Purchase’ fee, the caravan will be all yours.

PCP Finance – Personal Contract Purchase breaks down the loan into monthly repayments but offers more options than hire purchase. At the end of the agreement, you can choose to hand the caravan back, use any positive equity as a deposit in a new deal, or pay the ‘balloon payment’ to buy it.

Touring caravan finance

If you’re ready to hit the road in a touring caravan, we’ll look to get you away on an adventure as soon as possible.

Whether you’re looking for a Bailey Olympus, Swift Charisma, Elddis Avante, Hobby or any other model, if you find it at a reputable dealership, we’ll look to help you find a touring caravan loan.

Static caravan finance

Unfortunately, we don’t currently offer static caravan loans or finance.

Looking for touring caravan finance? Our panel includes lenders that can provide loans for a caravan, subject to approval. Get your no-obligation quote today.
Get your no obligation caravan finance quote in 60 seconds

Bad credit caravan finance

Just like caravans, we know that credit scores can come in all shapes and sizes. If you’ve ever missed a payment, fallen into mortgage arrears, or had a County Court Judgement (CCJ), then you may have poor credit.

But that doesn’t mean you have to give up on finding finance for a caravan. We may be able to help you find bad credit caravan finance, even if you’ve been refused elsewhere!

There’s no judgement here. We’ll do our best to find a deal that’s right for you, no matter your credit history. It’s not all about your credit score either. We’ll consider all your individual circumstances.
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From our expert
“Caravan finance is a wonderful choice because it gives you the freedom to go on your adventures without draining your savings upfront. You can spread the cost over time, making it easier to enjoy the freedom and excitement of owning your own caravan”
Matthew Evans
Matthew Evans
Head of Content and Conversion

No deposit finance

Looking for a new caravan but don’t have a lump sum to put down as a deposit? We could still help!

Our panel of lenders does include those who can offer 0 deposit finance, subject to approval. Your account manager will advise you of the options available to you and let you know whether we can find you a no deposit deal.

Why come to us for caravan finance?

A helping hand

At Car Finance 247, used car finance is all about helping people improve their everyday lives. We understand that building a good credit score isn’t always easy, and we believe that people should not be penalised for past mistakes. Unfortunately, some individuals find themselves trapped in a cycle, hindered by the lack of a vehicle, impeding both their commute to work and their ability to improve their credit score.

Dedicated account manager

Plus, you’ll have a dedicated account manager on hand to help guide you through the process, so there’s nothing to worry about.

Finding you the best deal

Whether it’s sorting out the school run, getting that big boot for the big shop, or a car you’re proud to park outside the office, we’ll work to find you the best deal from our panel of lenders, even if you have bad credit.

We only work with trusted partners and lenders

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Frequently Asked Questions

  • What is affordability?

    Affordability is an important part of the finance process. A range of factors determine the car you can afford to buy, including your credit score, the amount you’d like to borrow, and how much disposable income you can spare each month.

    Having a budget in mind before you start searching for a caravan can help you choose your new wheels with confidence – and the finance calculator is a great place to start!

  • What is the criteria to be eligible for caravan finance?

    You can apply for finance if you’re over 18 years old and have a minimum of three years’ address history in the UK.

  • How much can I borrow for a caravan?

    At Car Finance 247, we work with lenders that can finance caravan amounts between £2,000 and £25,000.

  • What paperwork will I need to apply for caravan finance?

    The paperwork that you’ll need to support your caravan finance application will depend on the lender that approves you in principle but, in general, they’ll ask to see:

    • Proof of driving licence
    • Proof of income
    • Proof of address

    Your account manager will let you know if your lender does need any additional paperwork and can sort all the admin for you.

  • What vehicles can I finance?

    Car Finance 247 works with a panel of lenders, which means we can help you find finance for a range of vehicles including used cars, vans, and motorbikes.

  • Are there any restrictions on the caravan I can buy?

    At Car Finance 247, we can help you find finance for a used touring caravan, but we don’t offer finance for brand new vehicles or static caravans. We work with a panel of lenders and some of them do set requirements on a caravan’s age of mileage. Typically, they are unable to finance caravans that will be older than 18 years old at the end of the agreement or have more than 120,000 miles on the clock.

  • Can I get guaranteed caravan finance?

    There’s no such thing as guaranteed caravan finance. There are a range of factors that determine whether you’ll be approved for finance and every loan offer is subject to circumstances. We work with a panel of lenders and, while we can look for loans for customers with a variety of different credit profiles, we can’t offer guaranteed caravan finance. If you’ve found a finance company that says they can guarantee finance – especially if you have bad credit – we’d advise treading carefully.