Campervan and Motorhome Finance

Check out our latest finance deals on new and used vehicles.

Motorhome finance

At Dicksons of Perth, we offer the option of motorhome finance to every one of our customers (dependent on status – T&Cs apply for eligibility). With finance for motorhomes, we offer you the opportunity to drive away in the motorhome of your dreams, all whilst spreading your costs into affordable monthly payments.

Apply for motorhome finance today, and we’ll arrange your monthly repayments. We work with Black Horse and Close Brothers Motor Finance to provide financial services for all of our caravans, campervans and motorhomes. Our lenders allow us to organise motorhome finance on your terms.

Start your motorhome finance journey

Choosing motorhome or campervan finance brings several positives, enhancing the overall purchasing experience. Affordability is a significant benefit, as monthly payments distribute the financial burden over time, making it easier than managing a large one-time payment. Financing also opens the door to better models that might otherwise be out of financial reach, allowing you to enjoy higher-quality features and comforts. Additionally, successfully managing a finance agreement can contribute positively to your credit score, providing opportunities to build or improve it.

Choosing the right finance option involves considering how much you can afford to pay monthly, how often you intend to use the motorhome or campervan, and whether you aim to own it outright.

Select your monthly budget

Hire Purchase

Hire Purchase (HP) finance for buying a motorhome offers a straightforward path to ownership, allowing you to spread the cost of your new motorhome over a period of time with fixed monthly payments. After paying an initial deposit, you’ll commit to monthly payments that are determined by the price of the motorhome, the agreement length, and the deposit amount.

This financing option is particularly appealing because it enables you to budget effectively, with no surprises in payment amounts due to fixed interest rates. Once all the payments are made, including the option to purchase at the end of the agreement term, the motorhome becomes yours outright. This method not only simplifies acquiring a motorhome but also aids in managing your financial planning without the immediate burden of the full purchase price.

Personal Contract Purchase

Personal Contract Purchase (PCP) finance for motorhomes is an increasingly popular option for those looking to keep their monthly payments lower while retaining the flexibility to decide on ownership at the end of the agreement. With PCP, you pay an initial deposit followed by lower monthly payments over a set term, typically between two to five years.

The key feature of PCP is the final balloon payment, known as the Guaranteed Future Value (GFV), which is calculated at the start based on the estimated residual value of the motorhome at the end of the term. This setup allows you to either pay the GFV to own the motorhome outright, return it and walk away (subject to mileage and condition restrictions), or part-exchange it for a new vehicle, using any equity beyond the GFV as a deposit for the next agreement. This makes PCP a versatile financial tool for managing both budget and vehicle choice effectively.

High acceptance rates

All motorhome finance is subject to status, and Terms & Conditions apply for eligibility.* With over 90% of people using finance as a payment method, we understand the need for clarity and assurance. We work closely with only the very best lenders and credit providers. Even if you have experienced poor or bad credit, we are experts at providing finance deals for new and used motorhomes, new and used campervans and caravans.

In most cases, we are often able to provide same-day acceptance, allowing you to take your van away from the forecourt when you leave. With motorhome financing, you can manage your costs with care over time. As licensed credit brokers, we can offer competitive finance to help you decide the best way to purchase your leisure vehicle.

We can help you organise finance.
Fixed interest rates available on all caravans.

FCA Declaration:

Dicksons of Perth is a credit broker and not a lender. It is authorised and regulated by the Financial Conduct Authority. FCA No: 660929. Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. Dicksons of Perth works with a number of carefully selected credit providers who may be able to offer you finance for your purchase.

Registered in Scotland: SC20720 Office Address: 170 Dunkeld Road, Perth, Perthshire, PH1 3AA Data Protection No: ZA276868

Commission Disclosure Status:

We can introduce you to a limited number of finance providers. We do not charge fees for our Consumer Credit services. We typically receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with them, typically either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between finance providers and product types. The payment received does not impact the finance rate offered.

Vehicles in stock

Frequently asked questions about campervan and motorhome finance

Why finance through our dealership?

When you finance through our dealership, our team can help you find a suitable finance deal for your situation. With finance plans to suit everyone, we can find you the perfect finance option. When you finance a motorhome with Dicksons of Perth, you can purchase a leisure vehicle based on your particular requirements. We offer several motorhome finance solutions, including Hire Purchase (HP) and Personal Contract Purchase (PCP).

Do you offer motorhomes for sale on finance?

Yes, we have many motorhomes for sale on finance. You can find a range of motorhomes, campervans and caravans for sale at Dicksons of Perth, and we work alongside Black Horse and Close Brothers to broker motorhome finance for our customers.

Who is Black Horse motorhome finance?

Black Horse is a reputable lender and part of Lloyds Banking Group. LBG consists of Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows. Black Horse motorhome finance is a lender that works alongside Dicksons of Perth to provide motorhome finance for our customers.

Who are Close Brothers motor finance?

Close Brothers Motor Finance is another finance company we work alongside. They have over 30 years of experience in the motor finance industry. They are trusted providers of motorhome finance and can help you pay monthly for the vehicle you want.