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Camper van finance

Guaranteed Motorhome Finance

If you’re looking for the truth about guaranteed motorhome finance, our team of friendly and knowledgeable advisors have all the answers.

Trying to get motorhome finance approved when you have a poor credit history can be difficult, Pegasus however may well be able to help you.

Poor credit motorhome finance

Wanderlust is a powerful thing, and motorhomes are the ultimate way to travel the world your way – but there’s no doubt camper vans can make for an expensive purchase. While motorhome finance offers an affordable alternative to buying the vehicle up-front, finding a great deal and getting approved for a loan is easier said than done – especially if your credit history is holding you back.

Some companies advertise ‘guaranteed motorhome finance’ – which is an understandably appealing proposition if you suspect your credit score could be a deal-breaker – but at Pegasus Finance, we’re going to separate the facts from the fiction when it comes to ‘guaranteed’ approval. With our help, you can get your hands on a camper van finance deal that suits you – with or without a squeaky clean credit rating.

Does guaranteed motorhome finance exist?

The short answer is that it isn’t legal to advertise guaranteed approval to anyone looking for motorhome finance – meaning that, unfortunately, companies claiming to offer sure things are ultimately in violation of Consumer Credit Regulations. In order to truly provide guaranteed finance on a motorhome, the lender or broker in question would need to accept each application they receive – no questions asked.

As monthly repayments and APR rates are based on a number of factors (such as the cost of the vehicle, your income and your credit score), no company can promise guaranteed motorhome finance with no knowledge of your ability to make the repayments.

Responsible brokers do everything they can to help customers in a variety of financial situations secure a competitive motorhome loan, even if they’ve had trouble securing credit previously – but will never commit to accepting an application if it’s likely that the monthly payments will be a problem. As finance providers, it’s our responsibility to protect customers from unmanageable debts – so we can’t offer guaranteed motorhome finance, but we can commit to exhausting every avenue at our disposal before rejecting an application. That way, you can avoid a loan you can’t afford and get access to the very best deals available to you.

Can I get motorhome finance with a bad credit rating?

While there are no guarantees in the world of motorhome financing, a bad credit score doesn’t have to be the end of the road when it comes to finding an affordable repayment plan. If you’ve had financial difficulties in the past – such as missed payments, CCJs or even bankruptcy – the APR rate on your loan may be higher, but you should still be get approved for camper van finance.

Want to find out how much you could borrow? Give our motorhome finance calculator a try for a no-nonsense look at monthly payments on the model you want.

We’re not worried about your financial history – we’re just interested in what you can comfortably afford to repay now. Our friendly and experienced team understand the struggles many of our customers have faced on their search for credit – and you can always get in touch to talk through the available options. Calls are free from a mobile or landline, so why not give us a call on 0800 066 2882 today for all the information you need to make a decision?

How can I apply for motorhome finance?

If you’re still exploring the range of motorhomes for sale online, that’s fine by us. With Pegasus Finance, you can get approved first and shop around later – giving you the freedom to browse at your leisure. Alternatively, if you’ve got the model you want in your sights and are ready to talk through the range of motorhome loans available to you, our easy online application form takes just minutes to complete – and one of our expert advisors will get back to you with a decision within the hour.

To buy motorhomes on finance and skip the up-front payment, apply online when you’re ready to take the next step. You may not be able to find guaranteed motorhome finance, but we’ll do everything in our power to get you the next best thing.

Spread The Cost

Monthly Payment £0
Total Repayable £0
(7.8% APR illustration)
Apply Now
This does not constitute a quote, it is for illustration purposes only. Rates may vary depending on loan amount and individual circumstances.