What to Check Before Financing a Used Lunar
Since every Lunar on the market today has had at least one previous owner, and many are considerably older, water ingress is the single biggest thing to rule out before financing one. Check window seals, the roof line and locker floors for soft spots, and ask for any damp meter readings from a recent inspection if one’s been done. Our guide to fixing damp in caravans is a useful reference for what to look for and what’s a minor fix versus a structural concern.
Why Does Finance Matter Here Specifically?
Since every Lunar is now bought used, lenders will look closely at service history and general condition before age alone. A well-documented Lunar with a clear maintenance trail will usually get better terms than an equivalent-age caravan with gaps in its history, worth mentioning to anyone assuming an older Lunar automatically means a smaller lender panel.
Poor credit history doesn’t rule out finance on a Lunar caravan. See our bad credit caravan finance options and our piece on how your credit score affects caravan finance if you’d like more background.
Why Use Auto Finance Online
Auto Finance Online has access to a wide panel of lenders, which can be useful when financing older caravans like Lunar models. This gives you more flexibility than going through a single lender.
There’s also value in working with a provider that understands leisure vehicle finance, especially where age limits and used purchases are involved.
Compare Lunar with other caravan brands
Get a feel for repayments with our finance calculator, or apply online today.
Frequently Asked Questions
It can reduce the panel slightly compared with current-production brands, but it doesn’t rule finance out; most lenders are assessing the individual caravan’s age and condition rather than penalising the brand for being discontinued.
It can help. A documented maintenance trail gives lenders more confidence in the caravan’s condition, which can support a stronger application than an equivalent-age caravan with an incomplete history.
This varies by lender rather than being fixed across the board, older Deltas and Clubmans can still be financed, but expect closer scrutiny on condition the further back the age goes.
