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Caravan Finance

Secure touring caravan finance deals hassle-free with Auto Finance Online, even if you have a low or bad credit rating. We believe driving away with your dream caravan should be simple and straightforward, which is why we’ll do all of the hard work for you.

Sit back and relax while we liaise with the UK’s top dealers to find your ideal new or used caravan at the best possible price, all you need to do is pick up the keys!

Apply for caravan financing today by completing our short online form or keep reading to discover everything you need to know about securing caravan finance.

Work out how much you’ll pay with our finance calculator

To find out how much your fixed monthly payments are likely to cost, use our caravan finance calculator. This will give you an idea of how much your finance agreement will come to based on the value of the caravan, the repayment period and the total amount borrowed.

How does our calculator work?

  1. Start by entering the initial deposit you want to put towards your caravan and how long you’d like to pay back your loan amount. 
  2. Our clever loan calculator will then show you how much credit you’ll be expected to pay based on the agreed period you’ve chosen to pay over.
  3. The calculator also provides your total loan amount and how much you’ll be repaying on a monthly basis.

With our finance calculator, you’ll be able to compare different loan lengths and amounts so you can find the right terms for you.

It’s important to note that loan rates will differ based on APR and credit score.

Secure your dream caravan and start your finance application today

Caravans are extremely popular with UK residents, thanks to their versatility and the level of comfort they offer, but purchasing one outright can be costly.

That’s where caravan financing comes in, where the initial cost of the vehicle is covered by a lender and paid back by you in manageable monthly repayments, allowing you to spread the cost and secure the perfect caravan for an affordable price. As we specialise in hire purchase agreements, we will help secure your dream caravan on suitable terms you can afford.

At Auto Finance Online, we work with a larger panel of lenders than anyone else in the leisure vehicle industry, which means we’re able to secure the very best finance options for you, even if you have bad or poor credit. We’ll take care of everything to make the process completely stress-free, from matching you with your dream caravan to negotiating the lowest possible interest rates, starting from just 10.9% APR.

How much will you have to pay?

When purchasing a new or used caravan on finance, you need to make sure you’ll be able to afford the monthly instalments. Our handy finance calculator for caravans will tell you exactly how much your monthly loan repayments are likely to cost based on:

  • The amount you’d like to borrow
  • The length of the loan
  • Your credit rating (don’t worry, this won’t be affected by using the calculator!)

Don’t forget that paying off your loan isn’t the only cost you’ll have to consider when buying a caravan. As you plan your budget, remember to factor in the cost of:

  • Servicing
  • Insurance
  • Site fees
  • Road tax

Not sure how much you can afford to spend on monthly repayments? We recommend speaking to a trusted financial professional to make sure you don’t get in over your head. The Auto Finance Online team can point you in the right direction if you need some help. Just give us a call on 01625 460454.

How does it work?

Securing your dream caravan with Auto Finance Online is simple. Using our calculator, we’ll help you decide on the best finance package for you.

1. Get a quote

Once you’re happy with your caravan finance quote and have submitted your application, we’ll get back to you with our decision within an hour.

2. Choose your caravan

Now for the fun part! As a leading leisure vehicle finance broker, we have relationships with some of the UK’s top dealers, but you’re also welcome to buy from any reputable dealer of your choice. No matter which caravan you choose, we’ll communicate with the dealership on your behalf to offer competitive rates and prices, and we’ll even handle the boring paperwork!

3. Drive

We’ll get you in your new or used caravan as quickly as possible and with no fuss at all. You could be driving away within hours of finding your ideal caravan, it really is that easy.

Why choose Auto Finance Online to finance your caravan?

Personalised support

Your designated finance expert will be by your side throughout the process to secure the best rates on your behalf and assist with any issues or queries you may have.

A 5-star service

We make caravan financing quick and simple – but don’t just take our word for it! We have an ‘Excellent’ Trustpilot rating with more than 6,000 positive reviews.

The best possible caravan finance deals and rates

Our large panel of lenders make it possible for us to secure the best finance deals and lowest interest rates to suit you.

Secure your caravan finance with Auto Finance Online

Take the first step towards securing your dream new or used caravan by applying online via the form below or heading straight to our finance application page.

Touring caravans are a great option for families or couples looking to travel in style. To help you learn more about caravans, you can explore the different options available and the benefits they offer in our blogs.

If you have any questions at all, we’d love to hear from you. Get in touch online or give us a call directly on 01625 460454.

Not sure if a touring caravan is the best option for you? Take a look at the other types of leisure vehicles we finance before submitting your application:

 

Frequently Asked Questions

Find the answers to all your caravan finance questions.

Am I eligible for caravan finance?

Most people over the age of 18 are eligible to apply for caravan finance. You don’t need to be in full-time employment to secure finance (in fact, many of our customers are retired or self-employed), but you will need to demonstrate to the credit provider that you can afford to repay the loan in full.

What caravan finance options are available, Hire Purchase or Personal Contract Purchase?

Hire Purchase (HP) is the main type of finance we offer. You’ll typically have up to 15 years to repay the cost of your motorhome at a fixed rate, and once the vehicle is paid off in full, it’s yours to keep.

How can I get my caravan loan approved?

Taking the time to boost your credit score in the months leading up to submitting your finance application could improve your chances of being accepted.

Pay off your credit card debts so the balances are low and continue to make any existing regular loan and credit card repayments on time, this will improve your credit score and prove to potential lenders that you’re capable of repaying their loan.

Can I get caravan finance with bad credit?

You may be able to secure caravan finance with low or bad credit, even if you’ve been rejected before. This is because we work with a large panel of lenders who specialise in helping customers with all types of credit circumstances.

Do I have to pay a deposit for caravan finance?

No, you don’t need a deposit to secure your finance, but if you choose to pay one you could reduce the term or duration of the finance agreement. The caravan dealer, however, may ask for a deposit to secure your chosen vehicle and remove it from sale.

This is standard practice because there’s typically lots of preparation to be done to make a show caravan ready for a new owner. Fortunately, when you choose finance with us, we can transfer funds to the dealer the same day, so there’s no need to worry about finding the money.

Can I get finance to buy a caravan from a private seller?

Securing finance for a private sale is possible, and we work with lenders who may be able to support this. However, it can sometimes involve more complexity than purchasing through a dealership.

What types of caravan can be financed?

Auto Finance Online finances new and used touring caravans from any reputable UK dealer. We do not currently finance static caravans or holiday homes. Brands we can finance include Bailey, Swift, Coachman, Adria, Lunar, Elddis, Buccaneer and many others.

How long does a caravan finance application take?

Once you submit your application, we aim to provide a decision within one hour. In many cases, once the caravan is identified and the dealer confirms details, funds can be transferred the same day. The full process from application to driving away can be completed within a few days.

What is the maximum term available for caravan finance?

Caravan finance terms of up to 15 years are available, depending on the age and value of the vehicle and your personal circumstances. Newer, higher-value caravans typically qualify for the longest terms. Older or lower-value vehicles may be restricted to shorter terms.

Is caravan finance regulated?

Yes. Caravan finance agreements arranged for private individuals are regulated under the Consumer Credit Act 1974 and overseen by the Financial Conduct Authority. Auto Finance Online is authorised and regulated by the FCA (FRN: 832181) and acts as a credit broker, not a lender.

Can I pay off my caravan finance early?

Yes. You have the right to settle a regulated hire purchase agreement early. Under the Consumer Credit Act, early settlement may reduce the total interest you pay. Some agreements include an early settlement fee, which must be disclosed in your agreement documents. Contact your lender directly to request an early settlement figure.

Get a Quote

We work with the best lenders to get you the best deal
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Representative Example

Cash price £15,000, deposit £0, total amount of credit £15,000, term 7 years, 84 monthly payments of £252.06, on a hire purchase agreement, option to purchase fee £1, total amount payable £21,172.66, representative APR 10.9%, rate of interest 10.9% fixed.

Rates may differ as they are dependent on individual circumstances. Subject to status.

Auto Finance Online Ltd is a credit broker, not a lender

Copyright © 2026. All rights reserved.

Auto Finance Online Limited is authorised and regulated by the Financial Conduct Authority (FRN: 832181). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. This will either be a fixed fee or a percentage of the total loan. The commission received does not affect the amount you will pay under your finance agreement. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. We work closely with selected finance providers to offer you financing options. This means that the products do not represent the entire market available to you. Our primary goal is to assist you in finding a suitable finance solution for your purchase. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Written Quotation on request

We may from time to time offer promotional finance terms from our funders. These terms will be for specified and limited time and may apply to; specific stock, age of vehicle or finance balance. These terms maybe offered by one or more of our funders. We will receive different commission amounts if you are taking advantage of a promotion.