Motorhome & Campervan Finance
Coachbuilts, A-class, panel van conversions and self-builds — funded new or used.
- Whole-of-market — 60+ lenders searched
- All credit histories considered
- Decisions in as little as 24 hours
Whole-of-market — 60+ lenders searched, including
A motorhome is a vehicle and a home at once, and lenders treat it as neither quite comfortably. We arrange motorhome finance and campervan finance on hire purchase for private buyers across the UK — coachbuilt, A-class, panel van conversion or self-build — through lenders with genuine appetite for the leisure market.
What you can fund
Coachbuilt motorhomes
The mainstream of the market.
A-class
Higher value, smaller lender pool.
Panel van conversions
Factory and professional converters.
Campervans
Registered motor caravans, new and used.
Used imports
Considered, with the right paperwork.
Base vehicles
Where a conversion follows later.
Motorhome finance
Motorhome finance is normally motorhome hire purchase secured on the vehicle, over terms that are longer than you would get on a car because motorhomes hold their value and cover comparatively low mileage. That combination is what makes the monthly figure on a substantial motorhome more manageable than the purchase price suggests.
Lenders look at the base vehicle and the conversion separately in all but name. A well-known converter on a mainstream chassis is the easiest case. Rarer imports, very high-value A-class models and unusual layouts narrow the lender pool without ruling anything out.
Used motorhome finance
Used motorhomes are financed routinely. As with caravans, the binding constraint is age at the end of the agreement rather than at the start — which is why a ten-year-old motorhome may fund over a shorter term than its price alone would imply. Habitation check and service history both help.
Campervan finance
Campervan finance covers factory conversions and professionally converted panel vans. The distinction that matters to a lender is whether the vehicle is registered as a motor caravan and who did the conversion. A recognised converter with documentation is straightforward; a part-finished or undocumented conversion is harder, because the lender is being asked to secure against something difficult to value.
Self-builds and conversion projects
Funding a conversion project is the awkward case, because at the point you need the money the vehicle is a panel van rather than a campervan. It is usually more workable to fund the base vehicle on its own merits and treat the conversion separately. Tell us what you are planning and we will be straight with you about what is achievable.
What affects what you are offered
Age and value of the vehicle, the deposit, the term, and your own circumstances. Use the motorhome finance calculator on this page for an indication across different terms — it is an illustration, not a quote, and everything is subject to status, affordability and lender approval.
Towing rather than driving? See caravan finance, where terms and deposits work slightly differently.
What to send us
Send us the make, model, year, mileage and price, whether it is a dealer or private sale, and what deposit you have. If it is a conversion, tell us who did it and whether it is registered as a motor caravan. We will tell you which lenders will look at it. No credit check to ask.
How it works
Tell us what you need
One quick conversation about the asset and how the repayments need to work.
We search 60+ lenders
As an independent broker we find the right structure and rate — not one lender’s products.
You get funded
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Estimate your repayments
Hire Purchase illustration at a representative 8.9% APR — a quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a representative 8.9% APR, you would repay around £617 a month; total amount repayable approximately £29,610. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Frequently asked questions
How long can I finance a motorhome over?
Can I finance a used motorhome?
Can I get finance on a campervan conversion?
Can I fund a self-build conversion project?
Is motorhome finance the same as a motorhome loan?
Do you cover my area?
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.