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.
Get a Quote
We work with the best lenders to get you the best deal
10
years
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
Caravan Finance
Secure Caravan Finance with Auto Finance Online
Want to get caravan finance without the stress and uncertainty that comes with arranging finance? At Auto Finance Online, we make it simple, transparent and tailored to you. Whether you’re looking for finance for a new caravan, used caravan finance or touring caravan finance with bad credit, our experienced team will help you find the right deal for your situation.
Buying a caravan outright can be a big financial commitment, especially as the cost of new and used touring caravans continues to rise across the UK market. Caravan finance lets you spread the cost into manageable monthly payments, making caravan ownership far more accessible and enabling you to get the model that suits your lifestyle and budget.
As one of the UK’s leading leisure vehicle finance brokers, Auto Finance Online works with a large panel of lenders to get competitive caravan finance deals for all credit profiles. Even if you have poor credit or have been declined elsewhere, we may still be able to help.
Caravan Finance for New and Used Caravans
At Auto Finance Online, we help customers get both new and used caravan finance with flexible repayment terms tailored to affordability and convenience.
Whether you’re buying your first touring caravan, upgrading to a newer model or looking for a bigger family caravan with more features and comfort, our team will help you get suitable finance options at competitive rates.
We know every customer is different, which is why we take a personal approach to caravan finance. Instead of offering one-size-fits-all solutions, we work with lenders and dealerships across the UK to find agreements that fit your budget and financial situation.
Many customers choose caravan finance because it allows them to spread the cost over a longer period rather than paying a large upfront amount. This can make higher-spec caravans with better layouts, features, and modern specs much more affordable.
As specialists in hire purchase caravan finance, we can get fixed monthly payments that remain the same throughout the agreement, making it easier to budget confidently.
How Caravan Finance Works
At Auto Finance Online, we aim to make caravan finance as simple and stress-free as possible.
With a hire purchase agreement, you’ll usually pay an initial deposit towards the caravan. The balance is then funded by the lender and repaid through fixed monthly payments over an agreed term. The amount you pay each month will depend on several factors, including the value of the caravan, repayment term, deposit amount and your credit profile. Longer repayment terms can reduce monthly payments, while larger deposits can reduce the amount borrowed and improve finance options.
Once all payments are complete, ownership of the caravan transfers to you.
Our team will guide you through the process from start to finish, helping you compare finance options so you can choose terms that work for your budget.
Caravan Finance Calculator
Understanding your monthly payments is an important part of choosing the right caravan finance agreement. That’s why we provide a simple caravan finance calculator to help you estimate costs before applying.
Enter your deposit amount, repayment term and estimated loan amount, and you can see how different finance structures will affect your monthly payments.
This will allow you to compare options and get a better understanding of affordability before moving forward with a full finance application.
While the calculator gives an estimate, final caravan finance rates and APRs will depend on your personal financial circumstances, credit profile and lender approval criteria.
If you’re not sure how much you can afford each month, our team are always here to help and answer any questions you may have.
How Much Does Caravan Finance Cost
The cost of caravan finance will vary depending on the caravan you choose and your individual financial circumstances.
At Auto Finance Online, we work to get competitive caravan finance rates from our panel of lenders to help customers get affordable monthly payments wherever possible.
Several factors can affect the overall cost of your finance agreement:
- The total amount borrowed
- Your repayment term
- Your deposit amount
- Your credit history
- The APR offered by the lender
Customers with better credit profiles may get lower interest rates, while customers with poor or bad credit may see different finance options depending on lender criteria.
You also need to consider the ongoing costs of caravan ownership. Alongside your monthly payments, you’ll need to factor in insurance, servicing, maintenance, site fees and road tax.
We don’t just want to get you caravan finance quickly, we want to get you an agreement that’s affordable and manageable long term.
Caravan Finance with Bad Credit
Concerned about applying for caravan finance with bad credit? You’re not alone. Many customers assume previous credit issues will automatically mean they won’t be approved, but that’s not always the case.
At Auto Finance Online, we work with a wide panel of lenders who consider a broad range of financial circumstances, including applicants with poor credit history, missed payments, defaults, CCJs or lower credit scores.
Because every lender has different approval criteria, being declined elsewhere doesn’t mean you can’t get caravan finance.
Our team will assess your individual circumstances and work to find caravan finance options wherever possible. While approval and interest rates always depend on your financial profile and affordability, we regularly help customers who have struggled to get finance through more traditional routes.
We’ll Help You Get Caravan Finance Approval
When lenders review caravan finance applications, they look at more than just your credit score.
At Auto Finance Online, we help customers understand what lenders consider during the approval process, including affordability, employment status, income stability, existing financial commitments and deposit size.
Having a stable income, manageable outgoings and a good repayment history can all improve your chances of approval. However, if your credit profile is less than perfect, our large lender panel means we may still be able to help you get caravan finance options.
Our experienced team works with lenders on your behalf to make the process smoother, clearer and less stressful from the very beginning.
Why Choose Auto Finance Online?
At Auto Finance Online, we make caravan finance simple, transparent and hassle-free.
From your initial enquiry through to collecting your caravan, our team handles the hard work for you. We communicate directly with lenders and dealerships, negotiate competitive finance rates and guide you through the paperwork so the process feels straightforward and efficient.
Customers across the UK choose us because of our:
- large panel of trusted caravan finance lenders
- competitive caravan finance deals and APRs
- fast finance decisions
- personalised customer support
- excellent Trustpilot rating with over 6,000 reviews
Most importantly, we understand that getting caravan finance is a big decision. That’s why we take the time to support you throughout the process and help you find an agreement that’s right for you.
Apply for Caravan Finance with Auto Finance Online
Applying for caravan finance is quick and easy. Fill in our online application form, and we’ll get to work on your application straight away. In many cases, we can give you a finance decision within the hour.
Once approved, you can choose your caravan from one of our trusted dealer partners or a dealer of your choice. We’ll then work directly with the dealership and lender to finalise the agreement and handle the paperwork for you.
We aim to make the process as smooth as possible so you can focus on finding the right caravan and planning your next trip.
Touring Caravan Finance
Touring caravans are growing in popularity across the UK due to their flexibility, comfort and freedom.
Whether you’re planning family holidays, weekend breaks or extended touring trips, financing a touring caravan can make ownership much more affordable by spreading the cost over manageable monthly payments.
At Auto Finance Online, we can arrange touring caravan finance on a wide range of makes and models, helping customers get flexible agreements that suit their lifestyle and budget.
Apply for Caravan Finance Today
Ready to get caravan finance? Auto Finance Online can help.
Whether you’re looking for new caravan finance, used caravan finance, touring caravan finance or caravan finance with bad credit, our experienced team will work to find the best option for you.
Apply online today or speak to our team to get started.
If you are 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?
What caravan finance options are available, Hire Purchase or Personal Contract Purchase?
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?
Do I have to pay a deposit for caravan finance?
Can I get finance to buy a caravan from a private seller?
What types of caravan can be financed?
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.
