Financing a motorhome — what to know

Motorhomes are among the larger, higher-value leisure vehicles, so finance is often the most practical way to buy without tying up a big lump sum. Because our finance runs over longer terms than typical dealer options, you can own a better-specified motorhome while keeping the monthly cost comfortable — whether it’s your first drive-away tourer, a step up to more berths, or a premium A-class for extended trips. We can cover the whole cost, habitation extras included, with no deposit, and you’re free to buy from a dealer, a private seller or an online marketplace. Start your application and we’ll take it from there.

New, used or upgrading

From a well-kept pre-owned coachbuilt to a brand-new A-class, we finance motorhomes at every end of the market. If you’re trading up from a campervan or an older ‘van, spreading the cost over a longer term is often what makes the jump to a bigger, better-equipped motorhome affordable.

FAQs

How much can I borrow for a motorhome?

Motorhomes sit at the higher-value end, so borrowing stretches from £10,000 up to £500,000 — enough for anything from a modest pre-owned coachbuilt to a fully-specced A-class, extras and all, with nothing to put down.

Can I finance a used or high-mileage motorhome?

Yes — new or pre-owned, bought from wherever suits you. A motorhome’s age and mileage can shape the terms on offer, so it’s worth running a specific vehicle past us.

Can I include habitation extras in the finance?

You can. Awnings, solar panels, bike racks, towbars and similar extras can all be wrapped into the same agreement, so you fund the complete package in one go.

How quickly could my motorhome finance be completed?

Offers are often same-day, and the finance itself is frequently completed within a week of enquiring — subject to your circumstances and how quickly documents come back.

Do I need to be a homeowner?

Yes. The loan is secured against your property, which is precisely what enables the lower rates and longer terms. Without owning your home, this product isn’t one we can offer.

Do I need a deposit?

No — zero-deposit options let you cover the full cost of the motorhome, extras included, with no upfront payment.

Can I buy a motorhome from a private seller?

Absolutely — dealer, private seller or online marketplace, there are no restrictions on where you buy.

Can I repay my motorhome finance early?

Yes — early settlement is generally possible and can trim the interest you pay. We’ll lay out any early-repayment terms clearly first. Apply now to see what’s available to you.

Can I use my motorhome abroad?

Most owners tour freely at home and overseas. If long trips abroad are on the cards, mention it when you enquire and we’ll flag anything worth knowing.

Do you finance campervans and touring caravans too?

Yes — motorhomes are just one of the leisure vehicles we fund. We also arrange campervan finance and touring caravan finance for buyers across the UK.

How can I work out my monthly repayments?

Our finance calculator gives you an indicative monthly cost in seconds — enter your amount and term to see roughly what you’d pay.

Who can apply?

Motorhome finance through us is open to UK homeowners, including the self-employed and those turned down elsewhere. Because it’s secured against your home, you’ll need to be a property owner. Apply online and pick a time for a callback.

Written by David Clelland, Managing Director, Sure Finance