Caravan Finance

Caravan Finance options for all credit profiles

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Caravan Finance approval rate 95%

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without affecting your credit score

When it comes to Caravan finance we offer some of the best deals on the market.

Our team are on hand to ensure you get the best possible finance package when looking to get a new or used Caravan, and we have access to every lender to help people get the finance they need regardless of their credit history.

If you have a good credit score then getting accepted is easy. However, if in the past you have had issues this can sometimes prevent you from being offered the finance you deserve.

Our underwriters understand that anybody can have problems, which is why we look at every Caravan finance application differently, we don’t just decline a Caravan finance application because of previous credit or loan problems, we consider every application and approve lots of people every day, even if they have been declined elsewhere.

Thousands of people every month come to us to get their Caravan finance, and here are a few reasons why…

Caravan Finance
Caravan Finance

Top 12 reasons why to choose us

  • We offer Caravan finance for good & bad credit profiles
  • We arrange flexible Caravan finance packages to suit you
  • We have many low rate Caravan finance deals from 4.9% APR
  • You can choose a Caravan from any UK dealer or private seller
  • You get access to thousands of Caravans Nationwide
  • Applying for Caravan finance with us is quick and simple
  • Most of our Caravan finance applications are approved
  • You can get accepted for Caravan finance fast
  • Caravan finance terms from 12 months to 60 months
  • No deposit or small deposit options available
  • Fixed monthly Caravan finance payments
  • Very fast turnaround

How our Caravan Finance works

Getting a new Caravan on finance through What Credit is a very simple procedure. Simply apply online through this website and your details will be sent to our underwriters, who will process your information and find the most suitable Lender with the best possible deal.

Once you have been accepted, we will contact you by phone or email to let you know. We will then ask for some simple paperwork to complete your application.

Once we have received these we can then set your credit limit and discuss your payments and the options available to you, so you know exactly how much it will cost you per month before you start looking for a Caravan.

Finding your new or used Caravan
When you have been approved for Caravan finance, and you know how much you can afford to spend, you can then do the exciting part of finding a Caravan!.

Our flexible finance gives you the option to choose a Caravan from any reputable UK dealer or private seller, giving you the choice of thousands of Caravans nationwide and knowing you have already been accepted means you can shop with confidence knowing your Caravan finance is already in place.

When you have found a suitable Caravan all you have to do is contact us with the name & address of the dealer or private seller and the details of the Caravan and we will check out the history of the Caravan to ensure that everything is ok. We check the vehicle mileage, and its history to make sure the vehicle has not been involved in an accident and that the price is fair for the age & condition of the Caravan. We also contact the seller to get all the releCaravant details that we need from them, including their bank details to arrange the payment to them.

After these checks have been made we will contact you to discuss your exact payments, then the paperwork will be sent via email for you to sign. When the paperwork has been signed & returned to us, we will then do our final check and the Lender will then release the funds to the dealer or private seller.

Collecting your new or used Caravan
When the Lender has finalised everything and the dealer or private seller has been paid, you can then talk to them to arrange collection of your Caravan – It’s that simple!

You can unhitch the caravan and use your car as normal making it nice and easy to get around.

Your caravan gives you a bigger living space compared to a campervan or motorhome where space would be taken into consideration.

caravans mean you get more for your money as there are no fuel costs for a caravan and there is less to mechanically to go wrong.

Owing a caravan is also a perfect way to enjoy holidays at home or abroad their versatility is perfect just hook up ang go.  

Caravan Finance – A Guide to Owning a caravan
Owning a caravan is a perfect way of discovering the country and escaping to your favourite part of the UK. If you’re planning to buy a touring caravan, before you jump into the caravan finance deals, consider these factors:

Caravan loan repayments – can I afford them?
An obvious question perhaps, but you need to know that when you buy a caravan on finance you will be able to make the repayments due. That means more than being able to afford your caravan loan repayments now – it means being able to afford them for the entire duration of the loan.

One thing that helps to make a difference is the fact that caravans traditionally hold their value well and depreciate more slowly than your average vehicle.

So if you do hit a financial block, you may still find the value of your vehicle is enough to cover most and often all of the outstanding finance loan.

Is caravan finance right for me?
You know the returns you’re getting on your savings. So whilst considering caravan finance, also consider the other potential ways of paying for your caravan.

If you have a lump sum that would cover the cost of the vehicle in its entirety, you could avoid any interest payments you’ll naturally incur with a finance agreement.
If your pocket won’t stretch to the full cost of the caravan, bear in mind that a lump sum could help reduce the size of the caravan finance you need, or enable you to fund a better version.
And if you don’t have anything to put down, don’t worry. Talk to us about touring caravan finance with no deposit.
Am I eligible for a caravan finance loan?
Getting an approved application for finance really comes down to satisfying the credit provider or loan company that you can afford the repayments. That decision will be based on a number of factors, including:

Age: You’ll need to be between 21 and 70 years old at the start of the agreement
Full UK driving licence
Employment and income: You don’t have to be in full time employment or self-employment to be able to get finance. Lots of our lenders can help if you are retired. But you will need to demonstrate your ability to repay the loan which may include adding a joint hirer or guarantor.
Do interest rates affect caravan loans?
Interest rates will influence the monthly repayment for your caravan finance, The interest rate you pay on your loan will depend on the amount you’re borrowing, the length of the loan and your credit history, but with our lowest interest rates starting at just 5.9% you’ll always find a great deal with What Credit.

Interest rates for caravan finance in the UK have been at very low levels for years now, to avoid your repayments increasing, make sure the interest rate on any finance for your tourer is fixed.

How does my credit score affect finance for caravans?
You don’t have to have a perfect credit history to get a loan at a competitive rate, every day, we help 100’s of customers, including applicants wanting caravan finance with a poor credit history access excellent finance deals.

If you can, follow these steps:

Reduce credit card debts so balances are low
Don’t take out any new credit agreements before you take out a new caravan finance loan
Continue to make any existing loan and credit card repayments on time
Improving your credit score even by just a few points and even if you’re looking for caravan finance with bad credit could help you secure the finance.

Can I get tourer caravan finance with bad credit?
If you have a bad credit score you’ll typically find it harder to gain credit, or to find caravan finance at the lower interest rates, but that doesn’t mean you won’t be able to get finance at all, and that doesn’t mean you won’t be able to buy a caravan on finance at a sensible rate.

What Credit accepts over 90% of all finance applications and many of those are for touring caravan finance with poor credit histories.

If you have poor credit history but still need to apply for caravan finance the call What Credit today!

Can you guarantee my caravan finance application?
You may have spotted offers of “guaranteed finance” that look particularly interesting if you’ve got a bad credit history, but the reality is no caravan finance provider can guarantee any application without looking at your previous history. You’ll still have to go through the same decision making process. The only probable difference will be the inflated interest you pay if your application is approved.

It’s easier to work with a finance broker like What Credit who can present your application to the right finance company, increasing your chances of acceptance whilst keeping the interest rate as low as possible.

Will I need to pay a deposit for the caravan finance?
You don’t always need to pay a deposit to secure your loan, although if you choose to pay one you could reduce the term or rate of the finance agreement. The caravan dealer, may ask for a deposit to secure it and remove it from sale.

This is normal, because there is typically plenty of preparation to be done in making your caravan ready for you, fortunately, when you choose finance with What Credit, we can transfer the funds to the caravan dealer on the same day, so there’s no need to worry about finding any payments.

Can I get a loan to buy a caravan from a private seller?
Yes. If you’ve been searching for finance to buy from a private seller you’ll know such loans can be hard to come by, at What Credit however, we’ll be able to introduce you to lenders who finance private caravan sales.

If you’ve seen a nice caravan for sale privately, use our calculator to check your estimated monthly payments, then get in touch with us on 01622 200150.

Which caravan is right for me?
When the caravan finance has been agreed, you can concentrate on finding the right model for you and your budget. The choice is many and it’s very easy to be so swept away by the features and stylish interiors that you forget the fundamentals.

So before you start your search, make a list of the essential features that will ensure the caravan you end up with is the one that’s perfect for you. Consider the following:

Berths: of course you’ll need a caravan with plenty of room for everyone, but make sure you stretch out on the beds to make sure they are long enough.
Size: Legally, any car can tow a caravan 7m long and 2.55m wide, but don’t feel obliged to opt for the biggest caravan on the forecourt. If you haven’t towed a caravan before you might want to start small.
Axles: Usually linked to the size of caravan, a single axle (i.e. a single set of wheels across the centre of the van) makes the van easier to manoeuvre and indicates a lighter vehicle. A double-axled caravan (i.e. with a wheel at each corner) gives added stability but is likely to indicate a bigger, heavier caravan.
Car: Even if you’re an experienced tower, your car will need to be up to the job too. You don’t want to choose your dream caravan only to find that you need a costly car upgrade to pull it. To ensure your car will be able to cope, choose a caravan within the car’s towing limit. You’ll find that in the car’s handbook. Better still, and to guarantee your car will be able to cope with room to spare, divide your car’s kerb weight (also in the handbook) by 100 and multiply by 85. Use the resulting figure as the maximum weight of caravan you can tow.
Layout: Think about what you’ll be using your caravan for, and what facilities matter most to you to decide on the right caravan layout. Do take your time to explore the options available – you’ll be surprised by the variety!
If you’re struggling to find the right model for you, let us know. We’re always happy and able to help.

Which caravan dealer?
You could choose any one of them but you’d be wise to choose a reputable one. Once you’ve agreed your caravan loan with What Credit you are free to buy from your chosen caravan dealership. Of course, this is a major purchase and we want to ensure you make the right choice, that’s why we have a network of approved caravan dealers throughout the UK, all of which can offer a great service as well as great prices.

How much can I borrow?
Use our caravan loan calculator to explore your rates and repayments. Set the sliders to the amount you would like to borrow and your preferred length of loan and you’ll receive an approximate monthly paymen together with an average interest rate and the full cost of your loan. There will be no detrimental impact to your credit score when you use the calculator.

After that feel free to call our team and we’ll refine your search to find low cost caravan finance that’s perfectly matched to you and your circumstances.

Read full information

Getting a new Caravan on finance through What Credit is a very simple procedure. Simply apply online through this website and your details will be sent to our underwriters, who will process your information and find the most suitable Lender with the best possible deal.

Once you have been accepted, we will contact you by phone or email to let you know. We will then ask for some simple paperwork to complete your application.

Once we have received these we can then set your credit limit and discuss your payments and the options available to you, so you know exactly how much it will cost you per month before you start looking for a Caravan.

Finding your new or used Caravan
When you have been approved for Caravan finance, and you know how much you can afford to spend, you can then do the exciting part of finding a Caravan!.

Our flexible finance gives you the option to choose a Caravan from any reputable UK dealer or private seller, giving you the choice of thousands of Caravans nationwide and knowing you have already been accepted means you can shop with confidence knowing your Caravan finance is already in place.

When you have found a suitable Caravan all you have to do is contact us with the name & address of the dealer or private seller and the details of the Caravan and we will check out the history of the Caravan to ensure that everything is ok. We check the vehicle mileage, and its history to make sure the vehicle has not been involved in an accident and that the price is fair for the age & condition of the Caravan. We also contact the seller to get all the releCaravant details that we need from them, including their bank details to arrange the payment to them.

After these checks have been made we will contact you to discuss your exact payments, then the paperwork will be sent via email for you to sign. When the paperwork has been signed & returned to us, we will then do our final check and the Lender will then release the funds to the dealer or private seller.

Collecting your new or used Caravan
When the Lender has finalised everything and the dealer or private seller has been paid, you can then talk to them to arrange collection of your Caravan – It’s that simple!

You can unhitch the caravan and use your car as normal making it nice and easy to get around.

Your caravan gives you a bigger living space compared to a campervan or motorhome where space would be taken into consideration.

caravans mean you get more for your money as there are no fuel costs for a caravan and there is less to mechanically to go wrong.

Owing a caravan is also a perfect way to enjoy holidays at home or abroad their versatility is perfect just hook up ang go.  

Caravan Finance – A Guide to Owning a caravan
Owning a caravan is a perfect way of discovering the country and escaping to your favourite part of the UK. If you’re planning to buy a touring caravan, before you jump into the caravan finance deals, consider these factors:

Caravan loan repayments – can I afford them?
An obvious question perhaps, but you need to know that when you buy a caravan on finance you will be able to make the repayments due. That means more than being able to afford your caravan loan repayments now – it means being able to afford them for the entire duration of the loan.

One thing that helps to make a difference is the fact that caravans traditionally hold their value well and depreciate more slowly than your average vehicle.

So if you do hit a financial block, you may still find the value of your vehicle is enough to cover most and often all of the outstanding finance loan.

Is caravan finance right for me?
You know the returns you’re getting on your savings. So whilst considering caravan finance, also consider the other potential ways of paying for your caravan.

If you have a lump sum that would cover the cost of the vehicle in its entirety, you could avoid any interest payments you’ll naturally incur with a finance agreement.
If your pocket won’t stretch to the full cost of the caravan, bear in mind that a lump sum could help reduce the size of the caravan finance you need, or enable you to fund a better version.
And if you don’t have anything to put down, don’t worry. Talk to us about touring caravan finance with no deposit.
Am I eligible for a caravan finance loan?
Getting an approved application for finance really comes down to satisfying the credit provider or loan company that you can afford the repayments. That decision will be based on a number of factors, including:

Age: You’ll need to be between 21 and 70 years old at the start of the agreement
Full UK driving licence
Employment and income: You don’t have to be in full time employment or self-employment to be able to get finance. Lots of our lenders can help if you are retired. But you will need to demonstrate your ability to repay the loan which may include adding a joint hirer or guarantor.
Do interest rates affect caravan loans?
Interest rates will influence the monthly repayment for your caravan finance, The interest rate you pay on your loan will depend on the amount you’re borrowing, the length of the loan and your credit history, but with our lowest interest rates starting at just 5.9% you’ll always find a great deal with What Credit.

Interest rates for caravan finance in the UK have been at very low levels for years now, to avoid your repayments increasing, make sure the interest rate on any finance for your tourer is fixed.

How does my credit score affect finance for caravans?
You don’t have to have a perfect credit history to get a loan at a competitive rate, every day, we help 100’s of customers, including applicants wanting caravan finance with a poor credit history access excellent finance deals.

If you can, follow these steps:

Reduce credit card debts so balances are low
Don’t take out any new credit agreements before you take out a new caravan finance loan
Continue to make any existing loan and credit card repayments on time
Improving your credit score even by just a few points and even if you’re looking for caravan finance with bad credit could help you secure the finance.

Can I get tourer caravan finance with bad credit?
If you have a bad credit score you’ll typically find it harder to gain credit, or to find caravan finance at the lower interest rates, but that doesn’t mean you won’t be able to get finance at all, and that doesn’t mean you won’t be able to buy a caravan on finance at a sensible rate.

What Credit accepts over 90% of all finance applications and many of those are for touring caravan finance with poor credit histories.

If you have poor credit history but still need to apply for caravan finance the call What Credit today!

Can you guarantee my caravan finance application?
You may have spotted offers of “guaranteed finance” that look particularly interesting if you’ve got a bad credit history, but the reality is no caravan finance provider can guarantee any application without looking at your previous history. You’ll still have to go through the same decision making process. The only probable difference will be the inflated interest you pay if your application is approved.

It’s easier to work with a finance broker like What Credit who can present your application to the right finance company, increasing your chances of acceptance whilst keeping the interest rate as low as possible.

Will I need to pay a deposit for the caravan finance?
You don’t always need to pay a deposit to secure your loan, although if you choose to pay one you could reduce the term or rate of the finance agreement. The caravan dealer, may ask for a deposit to secure it and remove it from sale.

This is normal, because there is typically plenty of preparation to be done in making your caravan ready for you, fortunately, when you choose finance with What Credit, we can transfer the funds to the caravan dealer on the same day, so there’s no need to worry about finding any payments.

Can I get a loan to buy a caravan from a private seller?
Yes. If you’ve been searching for finance to buy from a private seller you’ll know such loans can be hard to come by, at What Credit however, we’ll be able to introduce you to lenders who finance private caravan sales.

If you’ve seen a nice caravan for sale privately, use our calculator to check your estimated monthly payments, then get in touch with us on 01622 200150.

Which caravan is right for me?
When the caravan finance has been agreed, you can concentrate on finding the right model for you and your budget. The choice is many and it’s very easy to be so swept away by the features and stylish interiors that you forget the fundamentals.

So before you start your search, make a list of the essential features that will ensure the caravan you end up with is the one that’s perfect for you. Consider the following:

Berths: of course you’ll need a caravan with plenty of room for everyone, but make sure you stretch out on the beds to make sure they are long enough.
Size: Legally, any car can tow a caravan 7m long and 2.55m wide, but don’t feel obliged to opt for the biggest caravan on the forecourt. If you haven’t towed a caravan before you might want to start small.
Axles: Usually linked to the size of caravan, a single axle (i.e. a single set of wheels across the centre of the van) makes the van easier to manoeuvre and indicates a lighter vehicle. A double-axled caravan (i.e. with a wheel at each corner) gives added stability but is likely to indicate a bigger, heavier caravan.
Car: Even if you’re an experienced tower, your car will need to be up to the job too. You don’t want to choose your dream caravan only to find that you need a costly car upgrade to pull it. To ensure your car will be able to cope, choose a caravan within the car’s towing limit. You’ll find that in the car’s handbook. Better still, and to guarantee your car will be able to cope with room to spare, divide your car’s kerb weight (also in the handbook) by 100 and multiply by 85. Use the resulting figure as the maximum weight of caravan you can tow.
Layout: Think about what you’ll be using your caravan for, and what facilities matter most to you to decide on the right caravan layout. Do take your time to explore the options available – you’ll be surprised by the variety!
If you’re struggling to find the right model for you, let us know. We’re always happy and able to help.

Which caravan dealer?
You could choose any one of them but you’d be wise to choose a reputable one. Once you’ve agreed your caravan loan with What Credit you are free to buy from your chosen caravan dealership. Of course, this is a major purchase and we want to ensure you make the right choice, that’s why we have a network of approved caravan dealers throughout the UK, all of which can offer a great service as well as great prices.

How much can I borrow?
Use our caravan loan calculator to explore your rates and repayments. Set the sliders to the amount you would like to borrow and your preferred length of loan and you’ll receive an approximate monthly paymen together with an average interest rate and the full cost of your loan. There will be no detrimental impact to your credit score when you use the calculator.

After that feel free to call our team and we’ll refine your search to find low cost caravan finance that’s perfectly matched to you and your circumstances.