Motorhome Finance
& Loans

Car Loans | CarFinance 247
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No impact on your credit score
Rates from 7.9% APR. Representative APR 20.7%
Car Loans | CarFinance 247
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Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6,500 over 5 years with a representative APR of 20.7%, an annual interest rate of 20.7% (Fixed) and a deposit of £0.00, the amount payable would be £168.48 per month, with a total cost of credit of £3,608.67 and a total amount payable of £10,108.67.

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.

Motorhome finance options

Looking to finance a motorhome? Whether you’re searching for a Rapido 640 RV, a Bailey Autograph, or a classic VW camper, we’ll look to find you the best deal from our panel of lenders.

We can help find motorhome loans for people with a range of different circumstances. It doesn’t matter whether you’re looking for a vintage-style campervan or a modern motorhome with all mod-cons, we could help!

There are two main types of motorhome finance available:

Hire Purchase (HP)

With HP finance, you can spread the cost of your motorhome into monthly instalments. Once you’ve finished making all the repayments and paid the ‘Option to Purchase’ fee, you’ll own the vehicle.

Personal Contract Purchase (PCP)

PCP finance is a type of finance that gives you options at the end of the agreement. You can choose to hand the motorhome back, use any positive equity in a new deal, or pay the one-off balloon payment to own it.

Bad credit motorhome finance

Just like motorhomes, we know that credit scores can come in all shapes and sizes. But having bad credit doesn’t mean you have to give up on getting finance for a camper.

If you’ve missed payments in the past, fallen into mortgage arrears or had a County Court Judgement (CCJ), then your credit score could be less than perfect. We could help you find bad credit motorhome finance, even if you’ve been refused elsewhere.

Thanks to our panel of lenders, we can help people with a range of credit histories find the right deal for them.

No deposit motorhome finance

Ready to hit the road in a new motorhome but don’t have a deposit ready? We could still help!

Our panel includes lenders that can offer 0 deposit finance, subject to approval. If you don’t have a lump sum to put down or a vehicle to part-exchange, your account manager will be able to talk you through the options available. 

Using the finance calculator

You can use the finance calculator to find out how much your payments might be. Choose your credit band and enter the amount you’d like to borrow and the time you’d like to pay back the loan. You’ll then be able to see roughly how much you might have to pay each month. Remember, it’s just an estimate; our lenders will take your individual circumstances into account to provide a tailored finance quote.

Why come to us for motorhome finance?

Whether you’re looking for a motorhome to take trips to the beach, visit family, or head out into the countryside, we’ll work to get the right finance deal for you.

We work with a panel of lenders, so we can look to find motorhome loans for people with a range of circumstances.

Plus, you’ll have a dedicated account manager on hand to help you through the process.

What’s next? How to apply

It all starts with a quote. If you’re approved in principle, your dedicated account manager will give you a call to talk through your finance options. No strings attached. They can answer any questions you have and let you know if any restrictions apply. You’re then free to go out and find a motorhome from any reputable UK dealer – just let your account manager know when you’ve found ‘the one’.

Frequently asked questions

You can apply for finance through CarFinance 247 if you’re over 18 years old and have a minimum of three years’ address history in the UK.


We work with lenders that can finance amounts between £2,000 and £25,000.


At CarFinance 247, we work with a panel of lenders, which means we can help you find finance for a range of different vehicles, including cars, vans, motorbikes, and caravans.


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

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

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


You can head over to the finance calculator to get an estimate of your monthly repayments, but we’ll only be able to give you the exact amount once you’ve completed an application form and chosen the motorhome you’d like to buy. This is because your monthly finance payment amount will depend on how much you want to borrow, how long you want to pay it back, and your credit score. You will be able to review all the details before agreeing to a deal.


No, CarFinance 247 won’t charge you anything for arranging finance.

You might need to pay an administration fee to the dealer and some dealerships offer optional services that you can pay for, like delivery or valeting. To find out if any fees apply to you, we recommend speaking directly to the dealer you’re buying the motorhome from.


At CarFinance 247, we can’t help you find finance for a brand-new vehicle, but you can choose a used motorhome from any reputable UK dealer. Some lenders do have restrictions on the age and mileage of the vehicle that they’re willing to finance but, in general, you must choose a vehicle that has no more than 100,000 miles on the clock and will be less than 18 years old at the end of the agreement.


If you already have a motorhome with outstanding finance, you might still be able to get a new one. We work with a panel of lenders and some of them can offer refinancing loans. When you refinance, you’ll take out a new deal and settle your existing finance with a one-off payment. Depending on the agreement, this payment might be covered by the new lender or incorporated into your new loan amount.



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* The UK's number one online car finance broker by unique users to the website. Based on Hitwise data – 1,746,657 to CarFinance 247 vs. 666,020 for nearest competitor. January to December 2019.

96% of our customers recommend us: † Based on feedback left on independent review site Reviewcentre. May 2019.

CarFinance 247 is a trading name of CarFinance 247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525).

CarFinance 247 is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 653019). CarFinance 247 is registered with the ICO (Registration Number Z1897658).

Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request.

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