Campervan and Motorhome Finance

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

Campervan and motorhome finance

Dicksons of Perth offers motorhome, campervan and caravan finance through Hire Purchase (HP) and Personal Contract Purchase (PCP), with lenders including Black Horse and Mann Island Finance. Same-day acceptance is available in most cases, so you can often drive away the day you’re approved. Use the finance calculator on any vehicle page to see estimated monthly payments, or read on for full details on how finance works and answers to common questions.

Motorhome, campervan & caravan finance

At Dicksons of Perth, we offer flexible motorhome, campervan and caravan finance options designed to help you spread the cost of your next leisure vehicle. Whether you’re buying a new motorhome, used motorhome, new campervan, used campervan or caravan, our team can explain the available finance options and help you find an agreement suited to your budget and circumstances.

We work with a number of carefully selected finance providers, including Black Horse and Mann Island Finance. Dicksons of Perth is a credit broker, not a lender, and all finance is subject to status and lender approval.

Motorhome, campervan and caravan finance allows you to spread the cost of your vehicle through a deposit and regular monthly payments. Depending on the vehicle and finance product available, options may include Hire Purchase (HP) and Personal Contract Purchase (PCP). You can also part-exchange an existing vehicle to contribute towards your purchase (see below).

Finance is available on vehicles from every manufacturer we sell, including Malibu and Pilote. Our team can confirm the finance options available for the specific make and model you’re considering.

Select your monthly budget

Motorhome Hire Purchase

Hire Purchase is a straightforward way to finance a motorhome with the intention of owning it at the end. You usually pay an initial deposit and then make agreed monthly repayments over a fixed term. The finance provider remains the legal owner of the vehicle during the agreement. Once you have made all required payments and paid any applicable option-to-purchase fee, ownership transfers to you. HP can be suitable if:

You want to own the motorhome at the end of the agreement
You prefer predictable monthly payments
You do not want a large optional final payment at the end
You want to spread the purchase price over a longer period

The exact deposit, term, rate and monthly repayment will depend on the vehicle and finance offer available.

Personal Contract Purchase

Personal Contract Purchase can provide a different way of financing an eligible motorhome, where part of the vehicle’s value is deferred until the end of the agreement. You normally pay a deposit followed by regular monthly payments. An optional final payment is then due if you want to own the vehicle outright. At the end of a PCP agreement, your options may include:

Paying the optional final payment and keeping the motorhome
Returning the vehicle, subject to the agreement’s mileage, condition and other terms
Part-exchanging the vehicle for another model, subject to its value at that time

Because some of the cost is deferred until the end, PCP monthly repayments can sometimes be lower than an equivalent HP agreement. However, you should consider the optional final payment and total amount payable when comparing finance products.

PCP availability will depend on the vehicle and finance provider. Speak to our team to find out which finance options are available for the motorhome or campervan you are considering.

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.

How Does Motorhome, Campervan & Caravan Finance Work?

Motorhome finance allows you to purchase a vehicle without paying the full purchase price upfront.

You choose your motorhome or campervan, decide how much you would like to contribute as a deposit and select an available repayment term. The finance provider will then assess your application and, if approved, provide details of your monthly repayments, interest rate and total amount payable.

Your payments will depend on factors including:

The purchase price of the vehicle
Your deposit
The amount you need to borrow
The length of the finance agreement
The interest rate and APR
The type of finance agreement
Your individual circumstances and the lender’s criteria

Our vehicle pages include a finance calculator so you can explore how changing your deposit or agreement length could affect your estimated monthly repayments.

Can I Part-Exchange My Vehicle?

Yes. You can part-exchange your existing motorhome, campervan or caravan towards your next purchase: the value can be used as some or all of your deposit, whether you’re paying by Hire Purchase or Personal Contract Purchase. Our team can value your vehicle and talk you through how it affects your monthly payments.

How Much Deposit Do I Need For Motorhome Finance?

The amount of deposit required will depend on the vehicle, lender and finance agreement. Increasing your deposit normally reduces the amount you need to borrow, which can also reduce your monthly repayments. Your finance quotation will show the deposit, amount of credit, monthly repayments, APR, interest charges and total amount payable. Depending on your circumstances, your contribution towards the vehicle could come from a cash deposit, equity from a part-exchange vehicle or a combination of cash and part exchange. Our team can discuss the available options and provide a finance quotation based on the motorhome or campervan you want to purchase.

Motorhome Finance Monthly Payment Examples

The amount you pay each month varies considerably depending on the value of the motorhome, deposit, repayment term and finance rate. For example, current Dicksons vehicle listings include representative HP examples such as:

A motorhome priced at £71,310, with a £14,262 deposit, currently advertised at £709.04 per month over 120 months at 8.9% representative APR.
A motorhome priced at £81,495, with a £16,299 deposit, currently advertised at £810.31 per month over 120 months at 8.9% representative APR.

These examples are illustrative of current advertised vehicles only and should not be treated as a personalised finance quotation. Vehicle prices, interest rates and finance offers can change. Finance is subject to status and lender approval.

Ready to see what you could pay? Apply for finance today, or use the calculator on any vehicle page to explore your own numbers.

Who Is Eligible For Motorhome Finance?

Motorhome finance is subject to status and approval by the finance provider. Each lender has its own eligibility and affordability criteria and will assess your application based on your individual circumstances. Factors such as your credit history, income, affordability and the amount you want to borrow may be considered.

Having a lower credit score does not necessarily prevent you from applying. We work with selected finance providers with different lending criteria, although approval cannot be guaranteed.

In some circumstances, a finance decision may be available quickly or on the same day, although this will depend on the lender and your application. If you are unsure whether you are likely to qualify, speak to our team before choosing your vehicle and we can explain the application process.

Why Finance Your Motorhome Through Dicksons of Perth?

Dicksons of Perth has been helping customers find motorhomes, campervans and caravans in Scotland since 1958. When arranging finance through us, you benefit from:

Finance options for eligible new and used leisure vehicles
Hire Purchase and, where available, Personal Contract Purchase options
Access to selected finance providers including Black Horse and Mann Island Finance
Finance quotations based on your chosen vehicle and circumstances
Part-exchange options for your existing leisure vehicle
A knowledgeable team based at our dealership in Perth
The ability to arrange your vehicle, finance and part exchange through one dealership

Found a vehicle you like? Apply for finance today, or speak to our team about your deposit, part-exchange and finance options.

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 Mann Island 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 is Mann Island Finance?

Mann Island Finance is the multi–award-winning motor finance division of Investec Bank, with over 35 years’ experience in the industry.

Does finance affect the warranty of my vehicle?

Not at all – your motorhome or campervan warranty remains the same whether you buy outright or through finance.

Can I apply for finance with a lower credit score?

Yes, we work with a range of finance providers who may be able to help even if you’ve had previous credit challenges. Each application is reviewed individually.