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
Every asset has its own page: how lenders treat it, what buyers specify, the questions people ask, and what we have actually funded.
| Asset | What it covers | Page |
|---|---|---|
| motorhome | A motorhome is a vehicle and a home in the same bodyshell, and the lender who… | Read the guide |
| coachbuilt motorhome | The coachbuilt is the default British motorhome, and because so many are traded every year the… | Read the guide |
| A-class motorhome | An A-class replaces the cab entirely, which produces a far better vehicle to live in and… | Read the guide |
| campervan | The question that decides a campervan application is never the price — it is whether the… | Read the guide |
| VW campervan conversion | Funding for Volkswagen transporter campervans, whether you are buying a factory California or a professionally converted… | Read the guide |
| panel van conversion | Finance for factory built panel van campers — the high roof, fixed bodied vans produced in… | Read the guide |
| self build campervan conversion | Self build conversions are the hardest leisure vehicles to fund, and it helps to understand why… | Read the guide |
| used motorhome | Most motorhomes sold in the UK each year are second hand, and funding a used one… | Read the guide |
| American RV | American RVs sit outside the mainstream UK leisure market, which changes both who will fund them… | Read the guide |
| motorhome re | Refinancing turns a motorhome you already own into working capital, or replaces an existing agreement with… | Read the guide |
| private sale motorhome | Plenty of the best motorhomes never reach a forecourt, but buying from a private seller changes… | Read the guide |
| motorhome rental fleet | Funding vehicles that earn their keep, where the underwriting question is not just the asset but… | Read the guide |
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
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. 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 will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
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 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.
Machines we fund
120 machines named across 12 types of Motorhomes & campervans. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.
motorhome finance10
coachbuilt motorhome finance10
A-class motorhome finance10
campervan finance10
VW campervan conversion finance10
panel van conversion finance10
self build campervan conversion finance10
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- All self build campervan conversion finance →