Motorhome finance
Your dream motorhome could be closer than you think. With flexible motorhome finance from Luv Cars, getting on the road has never been easier.
Motorhome finance for your next adventure
Absolutely. If you're dreaming of weekends by the coast, exploring the countryside, or setting off on a cross-country adventure, motorhome finance could help make it happen.
Rather than paying the full cost upfront, finance allows you to spread the cost into manageable monthly payments. At Luv Cars, we work with a panel of trusted lenders to help customers explore finance options that suit their budget and circumstances.
The finance available to you will depend on factors such as your credit profile, income, affordability and the vehicle you'd like to purchase.
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Finding the right motorhome finance deal
Whether you've got your eye on a modern motorhome packed with home comforts or a classic campervan full of character, we're here to help make the process simple.
At Luv Cars, we work with a range of lenders to help customers find finance options for all kinds of motorhomes and campervans. Our friendly team will guide you through the process and help you understand the options available.
Your motorhome finance options
| Hire Purchase (HP) | Personal Contract Purchase (PCP) |
|
Hire Purchase is a straightforward option if your goal is ownership. You'll usually pay a deposit followed by fixed monthly payments over an agreed term. Once all payments have been made and any option-to-purchase fee has been paid, the motorhome is yours. |
PCP can offer lower monthly payments and greater flexibility. At the end of the agreement, you'll typically have three options:
Our team can help explain which option may be best suited to your plans and budget. |
Motorhome finance with bad credit
A less-than-perfect credit history doesn't always mean your motorhome plans need to be put on hold.
At Luv Cars, we understand that everyone's financial journey is different. Missed payments, defaults, CCJs or other past credit issues can affect your credit score, but they don't automatically prevent you from applying for finance.
Because we work with a panel of lenders, we may be able to help customers with a wide range of credit backgrounds explore the options available to them.
All finance is subject to status and affordability checks.
Representative example. Borrowing £8,700 over 5 years with a representative APR of 24.3% an annual interest rate of 21.9% (fixed) and a deposit of £0.00, the amount payable would be £239.88 per month, with a total cost of credit of £5,692.80 and a total amount payable of £14,392.80. Luv Cars is a broker, not a lender.
No deposit motorhome finance
Don't have a deposit saved? You may still have options.
Some lenders may consider applications with no deposit, subject to approval and individual circumstances. If you're unsure what's possible, our team can talk you through the options available and help you understand what could work best for you.
Estimate your monthly payments
Our finance calculator can give you an idea of what your monthly repayments could look like.
Simply enter the amount you'd like to borrow and your preferred repayment term to see an estimated monthly payment. It's a useful starting point, but your final quote will always be based on your individual circumstances and the lender's assessment.
Why Luv Cars for motorhome finance?
Buying a motorhome is about more than just getting from A to B. It's about freedom, flexibility and creating unforgettable memories.
That's why we're committed to making the finance process as simple and straightforward as possible.
When you choose Luv Cars, you'll benefit from:
- Access to a panel of trusted lenders
- Finance options for a wide range of circumstances
- Friendly, straightforward support throughout the process
- Help understanding your options without the jargon
- A dedicated team focused on finding a solution that works for you
Whether you're planning weekends away, family adventures or full-time touring, we're here to help you take the next step.
A word from the Luv Cars team
"There's nothing quite like the freedom that comes with owning a motorhome. Finance can make that dream more accessible by spreading the cost into manageable monthly payments. Whether you're new to motorhomes or looking to upgrade, we're here to help you find an option that suits your plans, your budget and your lifestyle."
Mike Sheridan
Head of Customer Experience
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Frequently Asked Questions
Can I finance a motorhome?
Yes, you can.
Most people buy a motorhome using a dedicated finance agreement rather than a mortgage. Motorhome finance works much like car finance, allowing you to spread the cost over manageable monthly payments instead of paying the full amount upfront.
At Luv Cars, we can help you explore the finance options available and find one that suits your budget and circumstances.
What do I need to apply for motorhome finance?
The documents you'll need can vary depending on the lender, but you'll usually be asked to provide:
- A valid driving licence
- Proof of income
- Proof of your current address
If any additional documents are needed, our friendly team will let you know and guide you through the process.
Can I get a loan for a motorhome?
Yes. There are a few different ways to finance a motorhome, including personal loans and specialist motorhome finance.
The right option will depend on your budget, the vehicle you're buying and your individual circumstances. At Luv Cars, we'll help you explore the options available so you can choose the one that's right for you.
How much can I borrow for a motorhome?
The amount you may be able to borrow will depend on factors such as your income, affordability and the lender's criteria.
Our panel of trusted lenders can offer finance across a range of borrowing amounts, subject to status and affordability. Once you've completed an application, we'll help you understand the options available to you.
Who can apply for motorhome finance?
You can usually apply if you:
- Are 18 or over
- Live in the UK
- Have at least three years of UK address history
Every lender has its own eligibility criteria, so approval will always depend on your individual circumstances.
What's the most affordable way to own a motorhome?
That depends on your budget and how you plan to use it.
Buying a well-maintained used motorhome can often be a more affordable option than buying new. If you're financing your purchase, a larger deposit may also help reduce your monthly payments and the total amount of interest you pay over the agreement.
Whichever route you choose, keeping your motorhome well maintained and shopping around for insurance can help keep the overall cost of ownership down.