An A-class replaces the cab entirely, which produces a far better vehicle to live in and a considerably shorter list of funders willing to price one.
Whole-of-market — 60+ lenders searched, including
Yes, though the panel is narrower than for a standard coachbuilt. On an A-class the manufacturer discards the donor cab and builds the front of the vehicle themselves, so the finished article is substantially more valuable than the chassis it sits on — and any funder who prices it as a panel van will quote something absurd. Private buyers are normally looking at regulated consumer credit; a company or hire operator falls outside that as business finance. Used A-class models fund well because they hold value strongly. The catch is that many are left-hand drive European imports, and a funder wants UK registration in place first.
Used kit: Yes — used A-class motorhomes are well funded and a carefully maintained German-built example from the past twelve to fifteen years remains a straightforward asset to place.
Get a quoteor call 07581 364281
Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. 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 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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 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).
The A-class is where lender selection genuinely changes the outcome. A generalist motor finance desk sees a Fiat AL-KO chassis and applies van depreciation, which produces a valuation nowhere near the market. A funder who works the leisure sector prices the finished motorhome against actual trade sales and lands somewhere sensible. On a private purchase for personal use the agreement falls under consumer credit rules, so the file goes to an authorised consumer lender; a rental fleet buying the same vehicle is treated as unregulated business finance with a completely different set of funders. Imports need care: money will not usually be released until the vehicle carries a UK V5C, which has to be sequenced properly with an overseas seller who wants paying on collection.
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Hymer B-Class ModernComfort I 680 | Integrated A-class motorhome |
| Hymer B-Class MasterLine I 780 | Luxury integrated motorhome |
| Burstner Elegance i 910 G | Large A-class motorhome |
| Rapido Distinction range | French luxury A-class motorhomes |
| Carthago liner-for-two I 53 | Premium two person A-class |
| Carthago c-tourer I 144 | Mid range integrated motorhome |
| Niesmann+Bischoff Arto 88 | German luxury A-class motorhome |
| Frankia Platin A-class range | High specification integrated motorhome |
| Adria Sonic Supreme 700 SL | Integrated European motorhome |
| Dethleffs Globebus I 1 | Compact integrated motorhome |
Get a quoteor call 07581 364281
These buyers have generally owned a motorhome before and know exactly what they are short of — usually space, insulation and a drop-down bed. A good number are heading for long winter trips to Spain or Portugal rather than fortnights in Cornwall. There is also a steady stream of buyers moving out of a large caravan and twin-axle towcar setup, who have run the numbers and decided a single vehicle suits them better.
Get a quoteor call 07581 364281
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Because they cannot value them. A desk that only holds commercial vehicle data sees a bare chassis and a body it has no comparables for, and the safe answer for that underwriter is no. It is not a judgement on the vehicle, it is an admission that the asset sits outside their book. Funders active in the leisure market have the disposal data and say yes.
Often yes, but expect fewer options. Left-hand drive narrows the resale audience in the UK, which the funder has to allow for when working out what the vehicle would fetch at auction. On continental A-class models it is common enough that specialist funders take it in their stride, particularly where the make is one that sells well here.
It depends on the vehicle’s maximum authorised mass and on when your licence was issued, and the two interact. Plenty of A-class models sit above the weight a modern car licence covers on its own. Check your entitlement on your licence and with the DVLA before you commit to a vehicle — it is not something to take on trust from a seller.
Slightly. The extra axle signals a heavy, high-value vehicle with a smaller pool of buyers and a licence requirement that rules out some of them. None of that is fatal — these are funded regularly — but the underwriter is thinking about how quickly it could be sold on, and that tends to show up in how much of your own money they want in it.
Yes, and it saves a wasted trip. Getting an agreement in principle first tells you what the funder will do about registration, payment to an overseas seller and the currency side before you are standing in a dealership in Germany. Turning up with no arrangement in place is how people end up paying cash for something they meant to finance.
Get a quoteor call 07581 364281
See everything we fund in motorhome and campervan finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
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.