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Quick Finance for Your Lodge or Static Caravan
Finding your ideal holiday lodge or static caravan is exciting. But when you find the right one, sorting out the finance quickly is the key. At Sure Finance, we specialise in arranging lodge and static caravan finance fast. We can generally complete the entire process in just 1–4 weeks from when you first get in touch.
Why Speed Matters for You
Delays in getting finance can sometimes mean you miss out on a holiday home you want. It doesn’t happen often, but I have seen cases where a lodge was sold to someone else who paid quicker, while another buyer was still arranging their loan.
Most holiday parks will reserve a lodge if they know you are committed, and your finance is being arranged. If you explain your finance plans to them and perhaps pay a refundable deposit within an agreed time, you’ll be in a much stronger position to secure the lodge while your funding is completed.
Understanding when is the best time to buy a static caravan can help you combine fast financial processing with the deepest seasonal market discounts.
Our Finance Options
Sure Finance aims to provide you with fast and effective finance options. From your first contact to the money being released, our typical loan process takes 1–4 weeks.
Our process is simple and, in our experience, our specialist loans frequently lead to lower monthly payments, longer terms, and better interest rates than standard Hire Purchase (HP) agreements.
What is the Process and Typical Timescales?
1. Your First Phone Call
- Tell us what you need for your lodge or static caravan finance.
- We do a soft credit check — this won’t affect your credit score.
- You’ll usually get a loan in principle the same day, showing your likely interest rate, loan term, and estimated monthly payments.
2. A Formal Application
- We’ll give you a short list of documents we need from you, like proof of income, ID, and details of the lodge or static caravan.
- Once we have gathered everything the lender needs, we send your full application to your chosen lender.
3. Lender Approval & Paperwork
- Lenders usually decide within a few days of getting your full application.
- If approved, we’ll send you the paperwork to sign. You can sign online for speed, or by post.
4. Money Released
- Once all your signed documents are back with us, the money is released. It usually goes straight into your bank account, ready for your purchase.
Total Timescale: 1–4 Weeks
Deposits and Planning Your Finance
Your holiday park may ask for a holding deposit. Always check the terms for any deposit you pay, including if it’s refundable and how long you have to change your mind. Our team have seen cases where confusion about deposits has caused issues, so make sure you have a clear understanding.
To avoid losing a lodge you like, it’s a good idea to get your finance largely sorted even before you pick your exact holiday home. If you have pre-approved finance, you’ll be ready to move fast when you find the right property, putting you in a strong position.
Before committing, it is highly recommended to map out your ongoing commitments using our interactive static caravan and lodge finance calculator.
Key Points
- Application starts in minutes over the phone.
- Soft credit check done the same day with no impact on your score.
- Application and document check completed within days.
- Money released within 1–4 weeks from your first enquiry.
If your holiday home purchase has a deadline, please tell us. We’ll make your application a priority.
Apply for Lodge Finance
To talk about your lodge or static caravan finance needs, contact our expert team today. Start your application form online or speak directly with an advisor on 0161 563 0807.
FAQs
We can typically arrange finance for your lodge or static caravan in just 1–4 weeks from your first enquiry. The exact time can vary slightly if a home valuation is needed, or if there are any delays with documents.
No, a deposit is not required. With our specialist secured loans, you do not need a deposit as you can finance the full purchase price. However, with other types of finance like Hire Purchase often offered by parks, an upfront deposit of typically 10–20% is necessary.
Yes, with a secured loan arranged through Sure Finance, you can purchase your lodge or static caravan directly from private sellers, as well as from parks or dealers. This gives you more flexibility to fund independent private sale caravans and lodges at highly competitive market rates.
When you first enquire with us, we do a soft credit check. This does not show on your credit file to other providers and won’t affect your credit score. A full credit search only happens later in the formal application process when moving forward with a chosen lender.
Parks often offer Hire Purchase (HP) agreements which can have shorter terms and higher interest rates. In our experience, finance arranged through Sure Finance often offers lower monthly payments, longer repayment terms up to 20 years with secured loans, and better interest rates because we work with a wider range of lenders. You can read a full breakdown of the differences in our secured loans vs hire purchase guide.
You’ll typically need to provide proof of income (like payslips or bank statements), identification (such as a passport or driving licence), and details about the lodge or static caravan you want to buy. We’ll give you a full, clear checklist.
Most holiday lodges and static caravans on holiday parks are for holiday use only. You cannot usually use them as your main residence. Parks will often require you to prove you have a permanent address elsewhere.
Beyond your finance repayments, you’ll need to budget for annual site fees, insurance, utilities (gas, electricity, water), and general maintenance. Site fees vary greatly between parks, which is why we created our caravan and lodge affordability guide to break down real ongoing ownership bills.
Our loans offer flexible repayment terms, which for homeowner secured loans can be up to 20 years. This flexibility allows you to choose terms that suit your budget and keep monthly payments manageable.
If you have a specific deadline for your holiday home purchase, please tell us. We’ll make your application a priority and do our best to speed things up for you.
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