Yes. We arrange motorhome and campervan finance for private buyers across the UK as well as for businesses — coachbuilt, A-class, panel van conversion and self-build. For a private buyer it is normally hire purchase secured on the vehicle, under a regulated consumer credit agreement. The vehicle is at risk if payments are not maintained.
For a private purchase, the agreement is regulated consumer credit, which means you get the full set of statutory disclosures and rights around information, early settlement and termination. Lenders assess your income, credit profile and outgoings alongside the vehicle. We work with funders who have genuine appetite for the leisure market rather than treating a motorhome as an awkward car.
Where a business is buying — a rental operator, hire fleet or a company using the vehicle commercially — it is commercial asset finance. An incorporated business borrowing for business use sits outside the consumer credit regime. A sole trader or partnership is an individual in law, so the agreement may be regulated depending on the amount and purpose; the broad line is business-purpose borrowing above £25,000, though you should check the current position rather than rely on the figure alone.
Whoever is buying, lenders look at the base vehicle, age, mileage, conversion quality and how easily the vehicle would resell. Rental and hire fleets are examined more closely than a single vehicle, because utilisation across the year drives affordability.
Motorhomes hold their value better than many vehicles but they still depreciate, and the vehicle secures the agreement. If you miss payments it can be repossessed and a balance may still be owing. Insurance, storage, habitation servicing and MOT costs run alongside the finance. Approval is never guaranteed and always rests with the lender. We charge you no broker fee; we are paid commission by the lender when an agreement completes.