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Bad Credit Motorhome Finance

Dream of creating more holiday memories without having to worry about making hotel, flight, and transfer reservations? Then purchasing a motorhome is ideal. Anytime you want, simply fill up your motorhome with your belongings, pack your bag, and head out on the open road. Here at Bright Motor finance, we want to help make this dream a reality. Even with Bad credit, let us find you the greatest offers. Read on to find out more.

Rates from 10.9% APR. Representative APR 19.9%

Bad Credit Motorhome Finance

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 Motorhome Finance

Motorhome Finance

A motorhome is a long-term investment. They can last a long time and can provide you with holiday experiences like no other! Finance options are a very popular way to go rather than buying outright. We know how important it is to make sure that you’re getting the best finance for your personal situation. While a brand-new motorhome could cost you anywhere between £47,000 and £80,000, there are plenty of second-hand options available

Our Lenders

We have great relationships with a wide network of lenders and dealers who are specialist in offering Motorhome finance to those with bad credit. While we have great relationships with many trusted companies, we also 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 finance deals for Motorhome finance that suits you.

Our Promise

We pledge to keep you updated on any Motorhome Finance Agreements and help you with the purchase at every turn.

Even if you have bad credit, we will make every effort to try and secure the best prices for you.


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 application for Bad Credit Motorhome finance. You can get more information from a Credit Reference Agency if you want to find out more.

Data Protection

We at Bad Credit Motor Finance are here to find the best motorhome financing options for your particular circumstances. We recognise that each person is unique and need assistance that is catered to their specific needs when applying for bad credit motorhome finance.

Since we are independent brokers, we can access a large network of lenders to get the best rates for you. Simply click ‘Quick Apply’ and fill out our free calculator with your information so we can find the best quotations for your consideration. Of course, your information will be fully protected.

Finance Options To suit you!

What You Need To Know

Types Of Motorhomes Explained

A motorhome is a vehicle on a truck-type chassis built with the purpose of living in.

There are self-contained living quarters and sleeping areas that cater for all of your needs on the road.

There are different calibres of motorhomes that vary in size and facilities.

A low-profile motorhome is your general motorhome that typically comes in the smallest models. Sizes vary between 5.5 to 8 metres in average length, with an average width ranging between 2.1 and 2.49 metres. If you are navigating narrow country roads, there are slimline models available that use a width lower than 2.25 metres.

An over-cab motorhome contains a double bed area over the driving cab, allowing more space for other living areas in the main compartment. These models are usually over three metres tall.

The A class motorhomes are the top of the range models on the market. The accommodation is purpose built to integrate with the drivers cab. It is recommended to invest in a “top-hung” mirror for when driving an A class motorhome. 

Hire Purchase

A HP loan means to hire the motorhome and pay it off in monthly instalments. Once all of the payments have been made, you will then own the motorhome. A deposit of usually 10% is required unless you pursue a no deposit motorhome finance deal.

Failure to pay the instalments on time will result in the repossession of the vehicle.

Refer to our Bad Credit HP Car Finance Page for more information and great rates. 

Personal Contract Purchase (PCP)

A PCP deal is similar to a HP deal in that you hire the motorhome for the duration of the payments made, but once the period ends, you have three choices:

  • You can pay off the remaining lump sum known as a “balloon” payment and claim ownership of the motorhome.
  • You can return the motorhome once the balloon payment is due.
  • You can part exchange the motorhome and begin a new PCP deal with a new one.

Because of the balloon payment, it means that the monthly rate is usually lower than with a HP contract. It is also beneficial for customers who are unsure of how their financial circumstances will look at the end of the deal, as they are given a choice of what they want to do.

It is crucial that you submit an application for the financial choice that best fits your situation. For amazing rates on personal contract purchase vehicle financing, see our bad credit PCP car finance page.

Personal Contract Hire Finance

A PCH finance deal is the cheapest option if you do not intend to own the motorhome outright. You just pay the hire fee plus lenders interest and return the motorhome at the end of the contract. This could however come with a monthly mileage cap in order to maintain the motorhome’s value.

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

We're Here To Help!

Frequently Asked Questions

Can I Apply For Motorhome Finance Through You?

In short, the answer is yes, we have a variety of lenders on our panel that can offer motorhome finance to fit into your budget. We’ll ask you some questions and take down everything we need and give you an answer straight away to let you know whether you have been approved. Give us a call or apply via our website.

I’m Not Sure What Kind Of Motorhome To Buy. Can You Help Me Find Something?

Of course we can. At Bad Credit Motor Finance, we’re all committed and ready to assist you. Bright Motor Finance  has  decades of combined expertise buying and selling cars, so we can spot a good offer when we see one. Give us a call so we can discuss what you want and need from your next motorhome with you.  We’ll start working on the financial arrangements as soon as we’ve found something suiting. Simply give us a call, and one of our advisors will be pleased to assist you in finding your ideal Motorhome and provide you with any guidance you may need.

Will I Need A Deposit For A Motorhome?

A deposit is normally required for caravan and motorhome finance agreements, however flexible deposit options are available. The best way to find this out would be for us to run a soft credit check on you, this won’t affect your credit score and then we can work out whether you will need a deposit or not.

To discuss your options with one of our friendly motorhome finance specialists, simply fill in our quick no obligation application form or give us a call.

I’m Struggling To Find A Motorhome – Can You Help?

There are many ways to find your dream second-home on wheels. You could choose and purchase your motorhome/caravan from any reputable UK dealer, providing the vehicle’s age and mileage fall within the agreed limits of your finance agreement.

Alternatively, you can simply tell us what you’re looking for, and our team of experts will search our wide network of dealers to try and find you the perfect campervan/motorhome for the best price.