panel van conversion finance
Finance for factory built panel van campers — the high roof, fixed bodied vans produced in volume by European manufacturers rather than converted one at a time.
Whole-of-market — 60+ lenders searched, including
Can you finance a panel van conversion?
Yes. Factory panel van conversions are among the most straightforward leisure vehicles to fund. Because they are series produced by established manufacturers on Ducato, Sprinter or Crafter bases, there is published trade data behind them and an underwriter can put a reliable value on the vehicle. Dealer purchases are simplest. Buyers who want the van for holidays and weekends will usually be looking at a regulated consumer credit agreement, while a van going into a hire fleet, a site business or a sole trader’s name for work use is funded as unregulated business finance instead.
Used kit: Yes — used panel van conversions fund easily, and vehicles from the last decade or so are traded and funded every week.
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What would a panel van conversion cost per month?
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 may 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.
How lenders treat it
Series built vans sit in a sweet spot. The manufacturer is recognised, the layout codes are standard and the resale market is active, so funders are comfortable and the panel of available lenders is wide. Where it gets more involved is purpose and seller. If an individual is buying for private leisure use the agreement is likely to be regulated consumer credit, which limits you to funders who hold the right permissions but brings consumer protections with it. A business buying the same van for staff accommodation, event work or hire has an unregulated agreement and a broader choice of funder. Buying from a private seller rather than a dealer also cuts the panel down sharply, and the ones that remain ask for the invoice, the chassis number and written confirmation there is no finance outstanding.
Makes and models we fund
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 |
|---|---|
| Adria Twin Supreme 640 SGX | Panel van conversion camper |
| Adria Twin Axess 600 SP | Compact panel van conversion |
| Chausson V697 campervan | French panel van conversion |
| Auto-Trail Expedition 66 | British panel van conversion |
| Burstner Campeo C 640 | German panel van camper |
| Hymer Grand Canyon S | Premium panel van conversion |
| Hymer Free 600 Campus | Compact panel van camper |
| Swift Select 174 | British built van conversion |
| Knaus BoxLife 600 MQ | Rear garage panel van conversion |
| Westfalia Columbus 640 E | Panel van conversion with fixed beds |
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Who buys one
Often a retired or semi retired couple downsizing from a coachbuilt motorhome because a van fits on the drive and through a height barrier. Also younger buyers who want something they can use as a daily vehicle rather than a second one that sits idle eleven months of the year. The trigger tends to be a change in circumstances — retirement, a house move with a shorter driveway, or the end of the last vehicle’s warranty.
Get a quoteor call 0333 772 4864
How it is treated for tax
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.
panel van conversion finance questions
How is this different from financing a coachbuilt?
The body is the main difference. A panel van keeps the original steel shell, so there is no separate coachbuilt structure to inspect and fewer damp related worries. Funders often find them easier to value as a result. The trade off is that the underlying van is a commercial vehicle, so mileage and service history carry more weight in the decision.
Can I add an awning, solar or a bike rack to the agreement?
Often yes, provided the extras are listed on the same supplying invoice and fitted before delivery. Items bought separately after the vehicle has been funded generally cannot be added later, because the agreement is already drawn against a specified asset. It is worth deciding on extras before the paperwork is issued rather than afterwards.
Is a van conversion classed as a motorhome for finance?
Usually yes. What the V5C says matters more than the marketing name — a vehicle registered as a motor caravan is assessed as a leisure vehicle, while one still registered as a panel van may be looked at on commercial vehicle terms. Tell us how it is registered at the outset so the enquiry is placed correctly.
Does a high mileage van put funders off?
It can, but base vehicle diesels used for leisure often cover modest annual mileage, and underwriters judge the figure against the age. A full service history and a clean MOT record will do more to reassure a funder than a low reading alone. Where mileage is high, evidence of cambelt and servicing work matters.
Can my limited company buy one?
Yes, where there is a genuine business use such as site work, event support or hire. That makes it unregulated business finance, so a wider panel of funders can consider it. You should take your own tax advice on how the vehicle is treated, because the rules around private use of a company owned vehicle are a matter for your accountant.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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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.