Holiday Home Finance Specialists

Sure Finance has specialised exclusively in static caravan and lodge finance since 2018, and we’ve helped thousands of people find the right holiday home finance. We arrange loans for new and pre-owned holiday homes, from a park or private seller, with rates from just 6.5% APR.

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Exclusive Rates from 6.5% APR

As specialists in holiday home finance, static caravan finance, and lodge finance, we offer same-day approvals, with repayment terms from 10 up to 20 years and loans from £10,000 up to £500,000.

FAQ’s

Discover more in our FAQs below to find the ideal finance solution for your holiday lodge or static caravan. Whether you’re buying a new lodge or a pre-loved caravan, our secured loans offer flexible terms, competitive rates, and no deposit requirements—making it simple to secure your dream holiday home.

Can I get a decision on the same day?

Yes, absolutely. In most cases, customers receive an offer in principle on the same day. We understand that time is of the essence when you’re looking to secure a lodge or static caravan. Simply complete our short application form and member of our team will get in touch to discuss your options.

How much can I borrow?

We can arrange loans starting from as little as £10,000, with the flexibility to extend up to £500,000 or more, depending on your needs. There’s no strict upper limit, making our lodge and static caravan loan options highly adaptable to suit your requirements. Whether you’re purchasing a luxury double lodge with wrap-around decking with hot tub or a well-maintained, pre-owned static caravan, we can provide finance to cover the entire cost, including any extras you have in mind, without requiring a deposit—ensuring you secure the holiday home you’ve always dreamed of.

How quickly will I receive my loan?

Once you get your offer in principle—often on the same day you enquire—funds are usually deposited within 2 to 4 weeks. The exact timing depends on the lender, how complex your application is, and how quickly you provide any required documents. We’ll do everything we can to make the process smooth and hassle-free.

Do I need to be a homeowner to apply for lodge or static caravan finance?

Yes — our secured loans are specifically for homeowners, which allows us to offer lower rates and longer terms than would otherwise be available. If you’re not currently a homeowner, unfortunately we won’t be able to help with this particular product.

Is a deposit required for lodge or static caravan finance?

No, a deposit is not required for our finance options. This means you can get started with your lodge or static caravan loan right away, helping you secure the holiday home you want without worrying about saving for a deposit first.

Am I restricted to where I can buy my holiday home?

No. You can purchase your new or used static caravan or holiday lodge from just about anywhere, whether it’s from a holiday park, a private seller, or even an online marketplace. Our specialist lending panel does not impose restrictions on where or from whom you can buy, so you can focus on finding the perfect holiday home that suits your needs.

What is a soft credit search?

A soft search is a unique type of search that will not leave a negative imprint on your credit report and, most importantly, has no impact on your credit score. It simply indicates which lenders are available to you for your lodge finance or static caravan loan and at what rates. If you want to know which finance product or loan deal is most suited to you, simply complete our application form and a member of our team will get in touch.

Can I get finance even with a poor credit history?

Yes, you can. While some lenders view a poor or adverse credit history as a red flag, that’s not the case for us. We understand that no two customers’ circumstances are the same. That’s why we offer a range of finance products and loan deals for lodge finance and static caravan finance that are designed to match everyone’s needs and financial situations. We work with lenders who are flexible and willing to consider various credit profiles, so you still have options even if your credit history isn’t perfect.

Can I sublet my holiday lodge or static caravan?

Being the proud owner of a holiday home, such as a static caravan or holiday lodge, often means extra monthly outgoings. To help supplement your income, some customers choose to let out their holiday home for a few weeks each year. This additional income can cover or at least offset the annual costs of owning a holiday home, such as site fees. In some cases, renting it out more frequently could even cover your monthly lodge finance or static caravan loan repayments.

Can I repay my lodge finance or static caravan loan early?

Yes, you can pay off your loan early if you wish. Many of our lenders offer flexible options that allow you to settle your finance agreement ahead of schedule, potentially saving you money on interest. However, it’s always advisable to check if there are any early repayment fees attached before making the final decision. We can provide full details on any conditions related to early repayment, ensuring you’re fully informed before proceeding.

Do you still offer Hire Purchase?

Until recently, we offered Hire Purchase (HP) agreements for holiday lodges and static caravans. However, after evaluating factors like higher interest rates, short repayment terms, and feedback from our customers, we decided to focus solely on secured loans.

Secured loans often provide lower rates, longer repayment terms, and greater flexibility, making them a more suitable option for many customers looking to buy lodge or static caravan.

Are you a member of the National Caravan Council (NCC)?

Sure Finance is proud to be a full member of the National Caravan Council (NCC), the UK’s leading trade body for the touring and parks industry. This membership reflects our commitment to meeting strict industry standards and providing professional, trustworthy service. Alongside our FCA regulation, it gives you peace of mind when choosing us for finance on your holiday home, lodge, or static caravan.

How can I get in touch?

If you’d like to find out more about our finance to purchase a lodge or static caravan finance, simply Apply Now. You’ll choose a day and time that suits you, and one of our team will call you back to talk through your options..

Written by David Clelland, Managing Director, Sure Finance