Understanding your finance options

A more flexible way to fund your motorhome or campervan

Many people buying a motorhome, campervan or touring caravan assume their only choice is dealer finance or dipping into savings. In fact there’s often a more flexible, more affordable route. Our finance keeps monthly repayments manageable, with lower rates, longer terms up to 20 years or more, and no deposit — so you can spread the cost with ease while keeping your savings for the things that matter. Wherever you’re buying from — a dealer, a private seller or an online marketplace — we’re here to help. Start your application today.

Why finance with us

• Competitive rates from 6.5% APR, fixed and transparent
• Long, flexible terms up to 20 years or more
• No deposit — cover the full cost, including extras
• Borrow £10,000 to £500,000
• Buy from any seller — dealer, private or online marketplace
• No hidden fees — every charge set out clearly before you sign
• Leisure vehicle specialists since 2018

Who can apply?

• UK homeowners aged 21 or over
• A regular income — employed, self-employed or retired
• A range of credit backgrounds considered — every situation is different, so it’s always worth asking

Frequently Asked Questions

How quickly can my finance be completed?

Faster than many people expect. Offers are frequently made the same day, and in a good number of cases the finance itself is wrapped up within a week of you enquiring. The precise timing comes down to your circumstances and how promptly any paperwork is returned.

How much can I borrow?

Our loans run from £10,000 all the way up to £500,000, so there’s scope to cover anything from a modest pre-owned model to a top-of-the-range vehicle, extras included — and with no deposit to find first. The figure that suits you depends on your circumstances.

Do I need a deposit?

No. Zero-deposit finance means you can fund the full cost of your vehicle without having to save an upfront lump sum before you start.

Do I need to be a homeowner?

Yes. Our finance is secured against your property, and it’s that security which lets us offer the lower rates and longer terms we do. If you don’t currently own your home, this particular product won’t be available to you.

Am I restricted on where I can buy?

Not in the slightest. Buy your motorhome, campervan or touring caravan from a dealer, a private seller or an online marketplace — we place no restrictions on where, or who, you buy from.

Can I get finance with a less-than-perfect credit history?

Quite possibly. Because the loan and finance options are secured against your home rather than the vehicle, we can often look at a wider range of situations than standard vehicle finance, so options may still be open to you even if your credit record isn’t spotless. Your rate will reflect your circumstances.

Can I repay my loan early?

Yes — settling early is usually an option and can reduce the interest you pay. It’s sensible to check whether any early-repayment charge applies, and we’ll give you those details up front so your decision is a fully informed one.

Can I live in my motorhome full-time?

Our finance is intended for leisure use rather than as a permanent home. If living in it full-time is your plan, tell us and we’ll talk through whether it can be accommodated.

Do you offer Hire Purchase or PCP?

We used to offer vehicle-based agreements such as HP and PCP, but after weighing up their higher rates, shorter terms and what customers told us, we chose to concentrate on one thing done well — finance with lower rates, longer terms and more flexibility.

Are you a member of the National Caravan Council (NCC)?

Yes — Sure Finance is a full NCC member, the UK’s leading trade body for the touring and parks sector. Alongside our FCA regulation, it reflects our commitment to high standards and professional service.

How do I get in touch?

The quickest way is to apply now — you can ask us to call you straight back, or pick a day and time that suits you, and a member of the team will talk through your options.

Written by David Clelland, Managing Director, Sure Finance