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Bad Credit Caravan Finance

Are you a regular camper or someone looking to make their first adventure into the world of camping or caravanning? Let us help make your exploring and adventures more affordable by finding you the best deal!

Rates from 10.9% APR. Representative APR 19.9%

Instant Online Decision

Our online form takes less than 60 seconds to apply & the decision is instant, we will contact you.

£0 Deposit options

If you are approved, we may have £0 Deposit Options available for you, depending on your circumstances.

Free History Checks

We will conduct a Free History & Value Checks on your behalf to ensure the car is fit for purpose.

Bad Credit Caravan Finance

Caravan Finance

UK Staycations have become even more popular during COVID-19 and restrictions on foreign travel. Bad Credit Motor Finance provides finance options for all caravan types. And you can also be rest assured we will have you in your caravan to your first caravan adventure holiday in no time at all.

Our Lenders

We have great relationships with a wide network of lenders and dealers who specialise in bad credit caravan finance. While we have great relationships with many trusted companies, we want to make it very clear that there is no favouritism between any of our contacts, and our sole purpose is to compare these lenders to find the best deal for caravan finance for our customers.

Our Promise

We promise to inform and assist our customers towards their caravan finance application every step of the way.


The information on this page should not be treated as a replacement for expert financial advice to do with your personal unique situation, but more as preparation ahead of your bad credit caravan finance application. You can get more information from a Credit Reference Agency if you want to find out more.

Data Protection

Here at Bad Credit Motor Finance, we are here to secure the best deal possible for your unique situation. Everybody is different, and all require a fine tuned service to suit their specific needs within their caravan finance application, especially with a bad credit rating.

We are independent brokers, so are able to access our wide network of lenders in order to secure the best deals for you. Just click ‘Quick Apply’ and enter your details into our free calculator for us to compare the best quotes for your consideration. Your data will be completely protected.

Wide Range Of Options

What You Need To Know

Different Types Of Caravans

A touring caravan is towed by your vehicle and cannot be driven. 

A static caravan remains where it is, and you travel to its location to visit it. They are usually bigger than a touring caravan and contain more amenities. They can be only moved with the use of a transporter. So they are typically used for more long term pitches.

Caravan Loans And Caravan Finance Options

Here at Bad Credit Motor Finance, we’ll work with you to help you find a caravan finance deal. Or caravan loan deal that’s going to be right for you. Because whether you’re looking for something quite simple which will get you from A to B. Or something kitted out with all mod-cons. We can find finance and loan options for every budget and a variety of different circumstances.

Touring Caravan Finance

If your preference is a touring caravan. We have finance and loan options available for you and we’ll also look to get you on you away on your caravan holiday as soon as possible.

Whether you’re looking for a Elddis Avante, Bailey Discovery, Sprite Super Quattro EB or any other model. As long as you find it from a reputable UK dealership. We can look to help you find a touring caravan loan or finance deal.

Bad Credit Caravan Finance

Just like caravans, we know that credit scores can come in all shapes and sizes. So if you’ve ever missed a payment, had mortgage arrears, or had a county court judgement (CCJ), then your credit score could be affected. However that doesn’t mean you have to give up on getting finance for a caravan.

Bad Credit Motor Finance may be able to help you find bad credit caravan finance or loans even if you’ve been refused elsewhere. We’ll do our best to find a poor credit caravan finance deal that’s right for you, whatever your credit history. We’ll consider all individual circumstances and advise you on what we can do to help.

No Deposit Caravan Finance

Ready to hit the road in your new caravan but don’t have a deposit? Then not to worry we can still help you because we specialise in bad credit financing.

We have a wide variety of lenders on our panel, including those who can offer zero deposit caravan finance, subject to approval. Your account manager will advise you of the options available to you and let you know whether we can look to find you a no deposit caravan finance deal or not.

We're Here To Help!

Hassle Free

Our Bad Credit Finance Calculator

If you require a rough estimate of your entitlement and payments, you may wish to use our Finance Calculator, it is simple to use and takes less than a minute.

Rates from 10.9% APR. Representative APR 19.9% Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 19.9%, the monthly payment would be £182.26, with a total cost of credit of £2,748.61 and a total amount payable of £8,748.61. Car Loans UK is a broker not a lender. This is an example only, all finance subject to status. Lender fees may apply

Frequently Asked Questions

Why should I get A Caravan?

Maybe a beach holiday along the Jurassic Coast in Dorset is what takes your fancy. Or a hiking holiday up in the Lake District. Or maybe a trip abroad to the south of France. Wherever it is, caravans are a great way to get up and go quickly and be on the way to your next adventure spending quality time with friends and family in the outdoors.

Purchasing your very own caravan is also extremely exciting. And with so much variety available, you really are spoilt for choice. You could be looking for a small touring caravan to take on a staycation holiday. Or perhaps you could be looking for a four-berth caravan that’s big enough for friends and family that you may want to venture abroad in. Whatever it is you’re looking for. Because here at Bad Credit Motor Finance we provide finance options for all caravan types. And you can also be rest assured we will have you in your caravan to your first caravan adventure holiday in no time at all.

Caravans are becoming more and more popular with holiday lovers. Because who wouldn’t want to head off on holiday whenever they feel like it? Just pack your suitcase, load up the caravan. And off you go for a getaway in the country. Ideal for festivals, camping trips or a weekend on a caravan resort.  They are the perfect investment for making more holiday memories on a budget. 

With Bad Credit Caravan Finance, we can help you make these dreams a reality. This is because you can spread payments across three to five years. And also find the best deals for your personal situation.

Caravans On Finance: How Much Do They Cost?

While it can be tough to get a finance deal approved with a low credit score, there are actually many lenders in our network who specialise in providing loans for customers with a bad credit rating.

How Do I Get A Caravan On Finance With Bad Credit?

If you’re interested in owning a caravan, you’ll also need to know about the financial requirements of this purchase. Please note a fully functioning second hand touring caravan will typically cost around £12,000, and £25,000 brand new.

Sometimes there will be further costs for interior renovation, furnishing and additional appliances. Making your vehicle suitable for towing a caravan, and the installment of anti-theft devices such as wheel clamps will also add to the cost. Therefore in general, you can expect to pay an extra £2,900 on top of the initial price.

Maintaining your touring caravan (servicing, power, drainage, pitch costs and insurance) will cost around £2,300 annually.

It is more costly to own a static caravan due to the luxurious advancements within a static when compared to a touring caravan.

On average, a second hand static caravan can cost around £30,000, or £45,000 brand new. 

The advancements include electricals, gas and homewares. A usual fit out for a static caravan will cost around £1,200. As a static caravan can be left alone for long periods at a time, additional security is available at around £350.  

Annual maintenance also costs more – typically around £5,100 per year. This also includes the ground rent for where the caravan stays.

What Are The Next Steps? How Do I Apply For A Caravan Loan Or Caravan Finance Deal?

The next steps are to give us a call on 0330 202 1201 or apply via our quick apply page whatever your circumstances we’ll be happy to help and answer any questions you may have. Because we pride ourselves on delivering excellent customer service and leaving you feeling satisfied throughout each step of the process.

This All Sounds Good. What Options Do I Have For Caravan Finance?

There are three main options for getting a caravan on finance – Hire Purchase (HP) finance, Personal Contract Purchase (PCP) finance and Personal Contract Hire (PCH) finance.

With Hire Purchase finance, you rent the caravan until you have paid it off. And then once it is paid off, you then own the caravan. Payments are made monthly, with additional interest at the pre-agreed percentage. Also, you should be aware that your caravan will be repossessed if the payments aren’t made on time, so it is very important to keep on top of your finances. The initial deposit made will also decide how much you pay monthly after that. The more that you pay in your deposit, the less the monthly fee.


With a Personal Contract Purchase finance option, you will hire the caravan like with a HP contract, but at the end of the period you have the option to pay a remaining lump sum known as a “balloon” payment in order to own the caravan outright, or to return the caravan at the stage that the balloon payment is due. The monthly rate that you pay with a PCP contract is usually cheaper than with a HP contract due to the balloon payment at the end. A PCP contract comes with a mileage limit and a strict servicing agreement in order to maintain the caravan’s value should you wish to return it.

A Personal Contract Hire finance is an arrangement to lease the caravan. If you don’t intend to own the caravan, then this is probably the best option for you. Because like the other two options, you begin the contract with a percentage deposit to the dealer, followed by monthly payments with interest. You will usually get the lowest rate with a PCH finance deal, as you will not own the caravan. You will need to maintain the caravan’s value throughout the time that you have it on lease.