Buying a used caravan or motorhome is a big purchase, and it’s completely normal to want a little flexibility. Caravan finance lets you spread the cost into manageable monthly payments, so you can plan your first trip without paying everything upfront.
At Edward James Caravans, we’ll explain your options in plain English and help you choose a route that fits your budget and how you’ll use your caravan. If you’d like a quick chat, call the Edward James Caravans team on 01823 618005.
Financing a caravan can be helpful if you’d rather keep some savings back for essentials - such as insurance, a mover, an awning or storage - and spread the cost of the caravan itself over time. It can also make a higher-spec model more achievable, with fixed monthly payments that are easier to budget for.
Hire Purchase is one of the simplest ways to buy a used caravan on finance. You usually pay a deposit, then repay the remaining balance plus interest in fixed monthly instalments over an agreed term. Once you’ve made all payments, including any final option-to-purchase fee, if applicable, the caravan becomes yours.
Hire Purchase can work well if your main goal is ownership and you like the certainty of fixed repayments.
Personal Contract Purchase, or PCP, is designed for people who want flexibility at the end of the agreement and, in many cases, lower monthly payments than a comparable Hire Purchase plan. You normally pay a deposit, then monthly payments over an agreed term. A larger chunk of the cost is deferred until the end as an optional final payment, often called a “balloon” payment.
At the end of the agreement, you typically have three options:
Personal Leasing, often called Contract Hire, is a form of long-term rental. You pay an initial rental and then fixed monthly rentals for an agreed period. Because it’s a hire agreement, you don’t own the caravan, and there isn’t usually an option to buy at the end – you return it, subject to the agreement terms, and fair wear and tear.
Leasing can suit customers who want predictable costs and like the idea of changing their caravan regularly.
We aim to keep everything straightforward:
Before you commit, make sure you understand the deposit, the term length, the monthly payment, the APR/interest rate and the total amount repayable. Check key costs like APR, total payable, and any option-to-purchase fee on Hire Purchase agreements.
It’s also worth checking any fees, such as an option-to-purchase fee, what happens at the end of the agreement -especially for PCP and leasing, and whether you can settle early or make overpayments.
You can get finance in lots of places, but arranging it with the dealership you’re buying from can make things quicker and simpler. With Edward James Caravans you’ll get:
Often, yes - but it depends on the product, the caravan, and the lender. We’ll talk you through options and how they’ll affect your monthly payments.
This varies by lender and caravan age. We’ll help you find a caravan finance option with a sensible balance between monthly cost and total repayable.
No. Finance is subject to status, income and lender criteria - but we’re always happy to explain the process and what information you’ll need.
Browse our latest used caravans in stock and find the right layout for your adventures.
Ready to apply? Hit the Apply For Finance button below, or alternatively give our friendly team a call on 01823 618005 and we’ll be happy to help.
Edward James Caravans Limited is an Introducer Appointed Representative (FRN 936186) of Zest Motor Finance. Zest Motor Finance is a trading style of Zest Vehicle Leasing Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 920621). Zest Vehicle Leasing Ltd is a credit broker and not a lender. Commission may be received for introductions. Finance is subject to status and income. Applicants must be 18 years or over. Terms and conditions apply.
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