Camper Van
Finance
Soft credit check — no impact on your credit score15+ specialist UK lenders comparedNew and used campervans considered — including VW, Ford, Mercedes
Finance a camper van from 15+ specialist UK lenders with rates from 9.9% APR (representative 21.9% APR). Car-Finance compares camper van finance deals for a new VW California, a converted Ford Transit or a used motorhome. Monthly payments start from £228.11/month on a £7,500 camper over 48 months at a representative 21.9% APR. The initial soft search has no impact on your credit score. A full credit check follows only if you proceed.
No minimum credit score — bad credit and CCJs considered
Finance type: HP recommended for used campervans; PCP available for new models
Rates from 9.9% APR, representative 21.9% APR
Term: 24–120 months, up to 10 years available via specialist lenders
Deposit: optional; 10–20% of camper value recommended to improve rate and reduce monthly cost
Moneyrepublic Ltd (FRN: 967024) trading as car-finance.co.uk acts as a credit broker, not a lender, regulated as an Appointed Representative of F&I Online Ltd (FCA No. 731217), authorised by the Financial Conduct Authority.
Last Updated: Aug 2026
How to get camper van finance?
Check your eligibility
Compare lenders and choose your deal
Drive away your camper van
We work with 15+ trusted UK camper van finance lenders
Car-Finance compares camper van finance from 15+ specialist UK lenders offering 100+ Hire Purchase and PCP deals. Our panel includes lenders such as Moneybarn, Zopa and Close Brothers. One soft search returns your personalised options across the full panel.
We are credit broker, not a lender.
Camper van finance calculator
Use the calculator to estimate camper van finance monthly payments before you apply. Enter the loan amount, the term and your estimated credit score to see indicative Hire Purchase payments. Terms of 84 and 120 months are available for higher-value campervans.
Finance calculator
- 36 mo
- 42 mo
- 48 mo
- 60 mo
Your estimated examples
Representative example: Borrowing £7,500 over 48 months with a representative APR of 21.9%, monthly payment of £228.11, total cost of credit £3,449.21, total amount payable £10,949.21. Rates from 9.9% APR. We are a credit broker, not a lender.
With the help of the calculator you can roughly estimate possible loan options.
Total payable includes interest, the option-to-purchase fee, and any documentation fees. The actual rate depends on credit profile, deposit, and chosen lender.
Rates from 9.9% APR. We are a credit broker, not a lender.
What is camper van finance?
Camper van finance is a credit agreement for buying a campervan, motorhome or converted van. The agreement spreads the cost into fixed monthly payments as Hire Purchase, PCP or an unsecured personal loan. Campervans are leisure vehicles, not commercial vans, so specialist lenders assess them differently. They hold value as lifestyle assets, carry higher prices and qualify for terms up to 10 years.
Campervan finance UK options suit buyers of both new and used campervans. Popular models include the VW California, VW Transporter conversions, Ford Transit conversions and Mercedes Sprinter conversions. VW campervan finance and motorhome finance both run through the same specialist lenders. Hire Purchase suits used campervans. PCP suits new models with a high final value. A personal loan suits private sales or older campers.
Car-Finance runs one soft search across 15+ specialist lenders to find finance for a campervan at your best available rate. We are an Appointed Representative of F&I Online Ltd FCA No. 731217, and our service is free. Specialist lenders treat campervans as lifestyle assets that hold value better than standard cars.
How do camper van finance payments work?
Camper van finance payments work as fixed monthly instalments set by the loan amount, term, deposit and APR.
A £7,500 used campervan over 48 months at a representative 21.9% APR costs £228.11 a month. The total amount payable reaches £10,949.21, including about £3,449.21 of interest.
A longer term lowers the monthly payment but adds interest. On 10 year campervan finance, a £30,000 VW California at a representative 21.9% APR costs about £579.12 a month, with a total amount payable of about £69,494.40. Over 60 months, the same camper costs about £794.27 a month, with a total amount payable of about £47,656.20 and far less total interest.
Six factors set your camper van finance deals and monthly payment:
- Deposit amount, optional, with 10% to 20% of the camper value recommended.
- Loan term from 24 to 120 months, where a longer term lowers the monthly payment.
- Credit score and credit history, which set the APR you are offered.
- APR, from 9.9% APR, representative 21.9% APR, on campervan finance deals.
- Vehicle age and value, as some lenders cap the camper at 15 years old at term end.
- New or used, as new campervans qualify for PCP and used campers usually run on HP.
Use our campervan finance calculator to estimate monthly payments before you apply.
Hire purchase vs PCP vs personal loan for camper van finance
Hire Purchase suits used campervans, PCP suits new models, and a personal loan suits private sales.
| Feature | Hire Purchase (HP) | PCP | Personal loan |
|---|---|---|---|
| Suitable for campervans | Yes, used and new | Yes, new models | Yes, private sales and older models |
| Balloon payment | None | Yes, optional final payment | None |
| You own the camper | After the final payment | Only if you pay the balloon | From day one |
| Mileage limits | None | Yes, excess charges apply | None |
| Typical APR | From 9.9%, representative 21.9% | From 9.9%, representative 21.9% | From 9.9%, representative 21.9% |
| Agreement term | 24 to 120 months | 24 to 60 months | 12 to 84 months |
| Private seller | FCA-registered dealer only | Not available | Any seller |
| Recommended for campervans | Yes, main choice for used | For new campers | For private sales or older models |
For used campers, Hire Purchase is the main option, with no mileage limits and full ownership at the end. PCP suits new models, and a personal loan suits private sales. Car-Finance compares campervan finance deals across all three.
Benefits of camper van finance
Camper van finance spreads the cost of an expensive leisure purchase across 24 to 120 months. It opens access to campervans priced from £5,000 to £100,000 without paying the full amount upfront. Comparing a campervan on finance through CarFinance can reduce the cost you pay.
- Spread a used VW Transporter conversion, around £35,000, across terms up to 120 months.
- Access a new VW California, around £71,740 on the road, on PCP for a lower monthly payment.
- Own a Ford Transit conversion, around £25,000, outright after the final Hire Purchase payment.
- Finance a Mercedes Sprinter conversion, around £45,000, with no mileage limits on HP.
- Apply with bad credit or a CCJ, as specialist lenders on our panel consider adverse credit.
- Comparing quotes through CarFinance can significantly reduce the cost of camper van finance.
- Soft credit check: applying does not affect your credit score, and a full check happens only if you proceed.
Who can apply for camper van finance?
Camper van finance is open to UK residents aged 18 to 79 with a regular income. Applicants with bad credit, CCJs and defaults can apply, as there is no minimum credit score.
Standard requirements for campervan finance UK applicants:
- Aged 18 to 79 at the start of the agreement, varies by lender
- UK resident with a valid UK driving licence
- Regular income from employment, self-employment, a limited company or a pension
- Proof of identity and proof of address
Used campervan buyers usually finance on Hire Purchase, with no mileage limits. New campervan buyers, such as VW California owners, can use PCP for a lower monthly payment. Self-employed applicants provide 3 months of bank statements or an SA302 as proof of income. Bad credit and CCJ holders are considered by specialist lenders, though a higher APR may apply. VW campervan finance and converted vans qualify when sold by an FCA-registered dealer.
All lenders are FCA-regulated and complete an affordability assessment before approval.
Why choose us?
Check your eligibility online
Soft credit check with no impact on your score. Apply online in minutes, with no paperwork and a same-day decision. A full credit check is carried out only if you proceed.
Buy a campervan from any approved dealer
Finance a campervan from any FCA-registered dealer across the UK, whether new, used or converted. Once approved, collect in person or arrange delivery.
Campervan finance quality assured
Every campervan we finance is HPI checked. The check covers outstanding finance, written-off history, mileage verification and MOT history.
15+ UK lenders compared
We compare camper van finance deals from 15+ specialist UK lenders in one search. Our search finds your best available rate automatically.
FCA regulated, free service
Car-Finance is an Appointed Representative of F&I Online Ltd. Our service is free, with no hidden fees and no commission added to your rate.
Long-term campervan finance, up to 10 years
Specialist lenders on our panel offer camper van finance terms up to 120 months. A 10-year term makes higher-value campervans like the VW California more affordable each month.
Frequently asked questions about camper van finance
Can I get camper van finance with bad credit?
Yes. Specialist lenders on the Car-Finance panel consider camper van finance for customers with bad credit, CCJs, defaults and IVAs. There is no minimum credit score. Our soft credit check compares 15+ specialist UK lenders in one search. The check finds your best available rate, with no impact on your credit score.
Does applying for camper van finance affect my credit score?
No. Car-Finance uses a soft credit search to match you with lenders. This leaves no footprint on your credit file and does not affect your score. A full credit check is carried out only by the lender you choose to proceed with. The full check happens after you review and accept your personalised offer.
How quickly can I get approved for camper van finance?
Most customers receive a decision the same day. Once your camper van finance is approved, your Car-Finance specialist liaises directly with the dealer. Most customers collect their camper van within 2 to 5 working days. The process starts with a free soft-check quote that takes under 2 minutes.
Can I get camper van finance over 10 years?
Yes. Camper van finance terms of up to 120 months, 10 years, are available through specialist lenders on the Car-Finance panel. Longer terms lower monthly payments. Representative Example: Borrow £7,500 over 48 months with a £0 deposit. Representative 21.9% APR fixed rate. Monthly payment: £228.11. Option to purchase fee £10 payable. Total cost of credit: £3,449.21. Total amount repayable: £10,949.21.
Can I finance a VW campervan?
Yes. VW campervans are eligible for camper van finance through Car-Finance. Eligible models include the VW California and VW Transporter T5, T6 and T6.1 conversions. Both new and used VW campervans can be financed. Hire Purchase suits used VW conversions, and PCP suits new VW California models from approved dealers.
Can I get camper van finance with no deposit?
Yes. No deposit camper van finance is available through specialist lenders on the Car-Finance panel. Applying without a deposit may mean a slightly higher APR or a lower loan-to-value ratio. A deposit of 10% to 20% of the vehicle value can improve your approval odds and reduce the monthly payment.
What is the difference between HP and PCP for a campervan?
Hire Purchase suits used campervans. You own the vehicle outright after the final payment, with no mileage limits. PCP suits new campervans, with lower monthly payments through an optional balloon payment, though mileage limits apply. Car-Finance compares both from 15+ specialist lenders in one search.
Can I finance a converted campervan?
Yes, subject to lender criteria. Professionally converted campervans can be financed through Car-Finance when bought from an FCA-registered dealer. Eligible conversions include VW Transporter, Ford Transit and Mercedes Sprinter. The conversion must be complete and the vehicle registered correctly. A specialist can confirm lender requirements for your vehicle.
How much can I borrow for camper van finance?
Camper van finance amounts typically range from £5,000 to £100,000, depending on the vehicle value, your credit profile and deposit. Specialist lenders on the Car-Finance panel consider high-value campervans, including new VW California models. The loan amount must be sustainable based on an FCA-required affordability assessment.
Can I get camper van finance if I am self-employed?
Yes. Self-employed applicants, sole traders and limited company directors can all apply for camper van finance through Car-Finance. Lenders typically require 2 to 3 months of bank statements as proof of income. An SA302 tax return is also accepted. There is no minimum income threshold, and affordability is assessed case by case.
What camper vans can I finance through Car-Finance?
Car-Finance can finance a range of campervans and motorhomes from any FCA-registered UK dealer. Eligible models include the VW California, VW Transporter conversions, Ford Transit conversions and Mercedes Sprinter conversions. Motorhome brands such as Pössl, Bürstner, Auto-Trail, Bailey and Swift also qualify. Both new and used models qualify.
Is camper van finance the same as motorhome finance?
The terms are often used interchangeably. Campervans are typically smaller van-based conversions, while motorhomes are larger purpose-built leisure vehicles. Both are eligible for specialist finance through Car-Finance. Finance options, APR ranges and term lengths are broadly the same. Compare camper van finance with Car-Finance today — free quote, no obligation, soft check only.
Apply for camper van finance today – free & no credit impact
CarFinance compares camper van finance deals for new and used campervans. Check eligibility for finance for campervan and motorhome buyers in 2 minutes. Soft credit check only, with no impact on your credit score for the initial check. No deposit needed. Terms up to 10 years. Decision in minutes.
