Static Caravans:

As the UK’s number 1 finance specialist in static caravan finance, Sure Finance offers extensive experience in securing competitive loans, with rates starting from just 6.5% APR. We offer flexible financing options from just £10,000, designed specifically for homeowners looking to purchase their ideal static caravan.

Our extensive expertise ensures a seamless and stress-free process, including same-day decisions. Whether you’re buying a new or pre-owned static caravan from a holiday park or a private seller, we provide repayment terms of up to 20 years with competitive rates, making your holiday home dream a reality.

To explore your options, simply complete our quick application form, and one of our finance specialists will contact you to find the best solution for your needs.

FAQs

Explore our FAQs below to discover the ideal finance solution for your static caravan. Whether you’re purchasing a brand-new model or a pre-owned option, our tailored loans offer flexible terms, competitive rates, and no deposit required—making ownership simple and stress-free.

Can I get a decision on the same day?

Yes, absolutely! In most cases, customers receive a decision in principle on the same day they apply. We understand the urgency of securing your static caravan finance, so simply fill out our short application form, and a member of our team will get in touch to discuss your options.

How much can I borrow?

We offer loans starting from £10,000, with flexibility to extend up to £500,000 or more. There’s no strict upper limit, making our static caravan finance options highly adaptable to your needs. Whether you’re purchasing a luxury model with wrap-around decking or a well-maintained pre-owned static caravan, we can finance the entire cost, including extras, without requiring a deposit.

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

Yes, you must be a homeowner to qualify. Our secured loans are specifically designed for homeowners. This allows us to offer lower interest rates and longer repayment terms. Unfortunately, non-homeowners are not eligible for any of our lending options.

How soon can I get a loan for my static caravan?

Once your application is approved and you’ve received an offer in principle—often the same day you apply—funds are generally available within 2 to 4 weeks. The exact timing will depend on factors like your chosen lender, the type of loan, and how quickly you provide any required information. Our goal is to make the process straightforward, so you can focus on making the most of your new static caravan.

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

Secured Loans
When financing a static caravan, secured loans provide a flexible alternative to Hire Purchase (HP). They offer extended repayment terms of up to 20 years, competitive interest rates, and no deposit requirement. With a secured loan, you’ll own the static caravan outright from day one, giving you full control and financial flexibility.

Hire Purchase (HP)
Hire Purchase (HP) is a traditional financing method that usually requires a deposit of 10–20% and fixed monthly repayments over 7 to 10 years. Ownership of the static caravan is transferred to you only after all payments have been made in full.

Please note that being a homeowner is essential for both secured loans and Hire Purchase options.

Do I need a deposit to get finance?

No, a deposit is not required. This allows you to secure your static caravan immediately, without the need to save for an upfront payment.

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

Yes, we do! Sure Finance has access to an vast panel of lenders—perhaps the largest in the sector—giving us the flexibility to find the best possible finance solutions. This vast choice of lenders allows us to secure competitive rates and tailored loan options, ensuring you get a deal that suits your specific needs, even if you have a complex financial background. With our wide network, we’re confident we can find the perfect loan to help you secure your dream holiday home.

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

No, you are not restricted. You can purchase your static caravan from a holiday park, a private seller, or even through online marketplaces. Our lending panel has no limitations on where or from whom you can buy, giving you complete freedom to find the perfect holiday home.

What is a soft credit search?

A soft credit search is a type of credit check that will not leave a visible mark on your credit report and has no impact on your credit score. It simply helps us identify which lenders are available to you for static caravan finance and the rates they can offer. If you’d like to explore your options, complete our application form, and a member of 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 situation is different, which is why we work with lenders who are flexible in considering various credit profiles. Our static caravan loan options are designed to accommodate customers with poor or adverse credit histories, providing tailored solutions to suit your circumstances.

Can I sublet my static caravan?

Owning a static caravan may come with additional monthly expenses. To offset costs like site fees, some owners choose to sublet their caravan for a few weeks each year. This additional income can help cover expenses or even contribute to your monthly loan repayments. However, always check with your holiday park’s terms and conditions, as some may have restrictions on subletting.

Can I repay my loan early?

Yes, you can pay off your loan early if you wish. Many of our lenders offer flexible repayment options, allowing you to settle your loan ahead of schedule and potentially save on interest. However, we recommend checking if there are any early repayment fees before proceeding.

Do you offer Hire Purchase?

Previously, we offered Hire Purchase (HP) for static caravans. However, after considering customer feedback and market trends, we decided to focus exclusively on secured loans. These loans typically provide lower interest rates, longer repayment terms, no deposit requirements, and greater flexibility, making them a more suitable choice for many buyers looking to finance a static caravan.

Are secured loans popular for buying static caravans?

Secured loans are increasingly popular for financing static caravans and are frequently chosen over Hire Purchase (HP) agreements. Over the last two years, we’ve seen a significant shift, arranging four times as many secured loans compared to HP. This is because secured loans offer several key benefits, such as low interest rates, longer repayment terms, no need for a deposit, and greater flexibility to suit individual circumstances.

How do I get a quote?

If you’re interested in exploring our static caravan finance options, simply complete our online application form. Once we receive your application, a finance specialist will contact you to discuss the best solutions tailored to your needs.