Caravan
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.

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.

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 your credit score could be less than perfect.

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.

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 pane 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.

How much will my monthly payments be?

You can use the finance calculator to find out how much your payments might be. Choose your credit band, enter the amount you’d like to borrow and how long you’d like to pay the loan back. You’ll then be able to see roughly how much you’ll have to pay each month.

Remember; it’s just an estimate so this figure might not be the exact amount you pay. We’ll take your individual circumstances into account to provide a no obligation quote.

Why come to us for caravan finance?

Whether it’s getting a new caravan for trips to the beach, to visit family or a countryside break, we’ll work to get the right finance deal for you.  

We work with a panel of lenders, so we can look to find caravan 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 does it work

It all starts with a quote. If you’re approved in principle, your account manager will give you a call to talk through your 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 caravan – just let your account manager know when you’ve found ‘the one’.

Frequently asked questions

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!


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


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


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.


CarFinance 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.


No, we don’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 a delivery or valeting charge. To find out if any fees apply to you, we recommend speaking to the dealer you’re buying the caravan from.


At CarFinance 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.


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.


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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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