Motorhome Finance

Affordable Motorhome Finance Plans | Drive Your Dream Home Today

Looking for the perfect motorhome but not sure how to fund it? We make hitting the open road easier than ever. Whether you are looking at a luxury A-class vehicle, a coachbuilt family cruiser, or a compact weekend getaway van, our flexible motorhome finance options are tailored to fit your budget. Stop dreaming about the ultimate road trip and start planning it. Apply online today for a quick decision and competitive rates.

Choosing the Right Motorhome Finance Option for You

Navigating vehicle finance shouldn't feel like driving without a map. We offer a range of straightforward funding solutions designed for both new and used motorhomes.

Hire Purchase (HP) for Motorhomes

With a Hire Purchase agreement, you pay a deposit upfront, followed by fixed monthly payments. Once the final payment is made, you own the motorhome outright.

Best for: Buyers who want long-term ownership and no mileage restrictions.

Benefits: Fixed interest rates and predictable monthly budgeting.

Personal Contract Purchase (PCP) for Motorhomes

PCP offers lower monthly payments by deferring a significant portion of the motorhome’s cost to the end of the agreement (the "balloon payment").

Best for: Buyers who like to upgrade to a newer model every few years.

Benefits: Lower monthly outgoings and maximum flexibility at the end of your term.

Why Finance Your Motorhome With Us?

We aren’t just finance experts; we are leisure vehicle enthusiasts. We work with a wide panel of specialised lenders to secure the best possible rates for your unique financial situation.

Fast Approvals and Transparent Rates

No Hidden Fees: What you see is what you get.
Quick Decisions: Get a quote in minutes so you don't miss out on your perfect vehicle.
Flexible Terms: Spread the cost over 1 to 10 years depending on the vehicle’s age.

Financing Both New and Used Motorhomes

We don't restrict your choices. Our finance packages cover brand-new models straight from the dealership as well as pre-owned motorhomes from private sellers or independent dealers.

Motorhome Finance FAQs

Have questions before you apply? Here are the answers to our most frequently asked questions regarding motorhome finance.

Can I get motorhome finance with a poor credit rating?

Yes. While a higher credit score unlocks the lowest interest rates, we work with specialised subprime lenders who consider your current affordability rather than just your past credit history.

How much deposit do I need for a motorhome?

Deposits vary depending on the lender and the value of the motorhome. While a 10% to 20% deposit is standard, we also offer zero-deposit finance options for qualified applicants.

How long can I spread the repayments over?

Because motorhomes are high-value luxury assets that hold their value better than standard cars, lenders offer much longer repayment terms. While typical car finance maxes out at 5 years, motorhome finance agreements can frequently be spread over 2 to 10 years—and in some specialised cases, up to 15 years.

Can I pay off my motorhome finance early?

Yes, you can legally request a "settlement figure" from your lender at any point during the agreement to pay off the balance early. This is common if your financial situation changes or if you decide to sell the motorhome. However, it is vital to check the fine print, as some lenders charge early exit penalties or admin fees (often equivalent to one or two months' worth of interest).

What are the main types of motorhome finance available?

When financing a motorhome, buyers generally choose between three primary routes:

Hire Purchase (HP): You pay an initial deposit (typically around 10%), followed by fixed monthly payments. The loan is secured against the motorhome, meaning you do not legally own the vehicle until the very last payment is made.

Personal Contract Purchase (PCP): This offers lower monthly repayments because a large portion of the loan is deferred to the very end of the agreement as a "balloon payment." When the term ends, you can pay the balloon amount to keep the motorhome, hand it back, or part-exchange it for a new one.

Unsecured Personal Loan: You borrow the money directly from a bank or lender to buy the motorhome outright. Because the loan isn't secured against the vehicle, you own it from day one, though approval heavily relies on having a strong credit score