Static Caravan Finance

Static Caravan Finance Specialists since 2018:

Recognised as one of the UK’s leading credit brokers for static caravan finance we can arrange flexible options starting from £10,000, featuring competitive rates from 6.5% APR and repayment terms up to 20 years. Our lending panel works seamlessly whether you are purchasing a brand-new model or a pre-owned model, buying directly from a holiday park, or purchasing directly from a private seller.

Our team ensures a streamlined, stress-free process with rapid same-day decisions in principle. To explore your available options and secure your ideal holiday home, simply complete our online caravan finance application today.

Once submitted, a dedicated member of our team will call you back at time that suits you to review your tailored choices.

FAQs

Whether you’re purchasing a brand-new model or a pre-owned option, our tailored lenders offer flexible terms, competitive rates, and no upfront deposit requirements, making ownership simple and stress-free.

Can I get a decision on the same day?

Yes, absolutely! In most cases, applicants receive an offer in principle on the same day they enquire.
We understand the urgency of securing your getaway, so simply complete our online form, and a member of our specialist team will call you back to discuss your choices.

How much can I borrow?

We arrange leisure funding starting from £10,000, with the flexibility to extend up to a maximum limit of £500,000 depending on your profile. Whether you’re purchasing a premium model with wrap-around decking or a well-maintained pre-owned unit, we can source finance options to cover the entire cost, including park extras, without requiring an upfront deposit.

Do I need to be a homeowner to apply?

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 assist with this particular credit product.

How soon will I receive the funds?

Once your form is processed and you’ve received an offer in principle — often the same day you apply — funds are generally available within 1 to 4 weeks. The exact timing will depend on factors like your chosen provider, the complexity of the file, and how quickly you return your documents.

What’s the difference between Secured Loans and Hire Purchase?

• Secured Loans: Provide a flexible alternative to traditional financing. They offer extended repayment horizons up to 20 years, highly competitive interest rates, and no deposit requirements. You own the asset outright from day one, giving you complete financial flexibility.
• Hire Purchase (HP): A legacy method requiring a 10–20% upfront deposit and fixed monthly payments over a shorter 7 to 10-year term. Legal ownership transfers to you only after all payments are completed in full.
• Please note: Homeownership is essential for our secured lending options.

Do I need a deposit to get started?

No, you don’t need a deposit. That means you can secure your holiday home now, without first saving for an upfront payment.

Hire Purchase agreements often require a deposit before the lender will release funds. The secured loans we arrange can cover up to 100% of the purchase price, subject to status and lender criteria, so you can keep your savings for other set-up costs, such as park connection fees, insurance or decking.

Do you have a wide range of lenders to choose from?

Yes — we work with a wide panel of specialised lenders, which gives us the flexibility to source competitive rates and loan choices tailored to your circumstances, even if you have a more complex financial background.

Am I restricted to where I can buy my static caravan?

No, you are not restricted. You can purchase from a holiday park, a private seller, or even directly from the manufacturer. Our lending panel has no limitations on the vendor, giving you complete freedom to find the perfect location.

What is a soft credit search?

A soft search is a background check that will not leave a visible mark on your credit file and has absolutely no impact on your credit score. It simply helps us identify which panel providers are available to you and what rates they can offer. If you’d like to see your choices, complete our online form, and our team will be in touch.

Can I get finance even with a poor credit history?

Yes, we can still help. We understand that everyone’s financial background is different, which is why we work with flexible adverse lenders. Our loan arrangements are designed to accommodate customers with poor credit history, providing sensible paths to suit your budget.

If you have faced financial challenges in the past, ownership is still well within reach. Review our guide on securing a caravan loan with poor credit to understand how our specialist lending panel evaluates previous defaults.

Can I sublet my static caravan?

Owning a holiday home comes with regular costs, such as park site fees. Many owners let out their caravan for a few weeks each year to help offset these. Before you do, check your holiday park’s terms and conditions, as some sites restrict or don’t allow subletting.

Any rental income should be treated as a bonus, not something you rely on. Lenders assess affordability on your verified income only and won’t take potential rental income into account, so make sure your monthly loan repayments are comfortable without it.

Before committing to a holiday home purchase, work out your true seasonal outgoings. Read our complete guide to renting out a static caravan to see how subletting can help offset your annual park site fees.

Can I repay my loan early?

Yes, you can pay off your balance early if you wish. Many panel lenders offer flexible settlement paths, allowing you to clear the agreement ahead of schedule and save on interest. We recommend checking if there are any specific early repayment fees before making your final payment.

Do you offer Hire Purchase?

Previously, we introduced clients to Hire Purchase (HP) options. However, after considering customer feedback and market trends, we decided to focus exclusively on secured homeowner loans. These regularly provide lower interest rates, longer repayment terms, no deposit requirements, and greater financial flexibility.

We’ve created a simple guide to help you understand the difference between Hire Purchase and Secured Loans — click here to read the guide.

Are secured loans popular for this type of purchase?

Secured loans are increasingly popular and are frequently chosen over legacy HP structures. Over the last two years, we’ve seen a significant market shift, arranging four times as many secured agreements compared to HP. This is because they offer lower interest rates, longer terms, and eliminate the need for a cash deposit.

Do static caravans depreciate in value?

Yes, static caravans are depreciating assets, similar to cars. They generally decrease in value over time rather than appreciating like brick-and-mortar property. When planning your caravan finance, it is vital to factor in this depreciation alongside ongoing running costs.

Does my static caravan finance cover annual park site fees?

No, standard static caravan finance packages only cover the purchase cost of the unit itself. You must budget separately for annual pitch fees, site insurance, and utilities, which are paid directly to your holiday park operator.

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

Yes, Sure Finance is a full member of the National Caravan Council (NCC), the leading trade body for the UK’s touring and parks industry. This membership confirms we meet strict industry standards and maintain high levels of professional service. Along with our active FCA regulation, it gives you total peace of mind that you’re working with a trusted broker.

How do I get a quote?

If you’re interested in exploring your borrowing options, simply complete our online form. Once submitted, a finance specialist from our team will contact you to talk through the best solutions tailored to your needs.

Written by David Clelland, Managing Director, Sure Finance