Finance Plans

Van & Campervan

Get ready to hit the road with competitive van finance plans that offer the flexibility to pay for your campervan or Kombi van in a way that works best for you.

Provided by our partners including Volkswagen Financial Services, we offer van finance deals to help you get behind the wheel of your dream vehicle sooner.

Find out more about our finance options or use our free van finance calculator to see how much monthly finance payments could be.

Contact Us Use Finance Calculator

The types of finance we offer

Our finance plans are designed to make owning your dream camper or van more accessible and affordable than ever before. Van finance deals and plans are available on all our campervans and Kombi vans, as long as you’re approved by our finance partners. 

 

Our van finance options vary depending on whether you’re looking to finance a campervan or a commercial Kombi vehicle. We provide hire purchase (HP) for those looking to own their Kombi van or campervan. We also offer personal contract purchase (PCP) for Kombi vans, ideal if you want to choose what you do at the end of your agreement.

Hire Purchase (HP)

Hire Purchase is the van finance solution for those who want to own a campervan or a Kombi van. With this finance option your monthly payments will be the same every month, which helps with budgeting. You also pay a fixed rate of interest over an agreed timeframe.

Once you’ve completed all repayments, including any interest, you’ll become the owner of the campervan or Kombi. Hire purchase is available on all our campervans and Kombi vans.

  • HP is available on Kombis and campervans
  • Fixed monthly payments
  • Clear interest rate
  • No large final payment
  • Deposit agreed based on price of campervan
  • You own the campervan at the end of your agreement
  • Ideal if you plan to keep your campervan for a long time

Personal Contract Purchase (PCP)

PCP is only available on Kombi vans.

Personal Contract Purchase van finance is ideal for people who aren’t sure if they want to own a Kombi van at the end of their agreement. With this type of van finance plan you can decide whether you return the van, upgrade it for another Kombi or own it after a final payment.

Your monthly payments are the same and they may be lower than a Hire Purchase Plan. But to keep the van at the end of the finance period a balloon payment (large one-time final payment) is required. You will also pay a fixed rate of interest over the agreed timeframe and have to agree to a mileage allowance as part of your finance plan.

  • Fixed monthly payments
  • Clear interest rate
  • Possible large final payment (if you want to keep the van)
  • Deposit agreed based on price of van
  • Pre-agreed annual mileage limit (from 5000 miles a year)
  • You can own, upgrade or return the Kombi
  • Ideal if you’re not sure if you want to own a van

Contact us to have a competitive finance plan tailored to you

Important: Approval for finance is subject to a credit check and approval by our finance partners. It’s important to consider if finance is right for you and your circumstances.

If you’re unable to keep up with monthly payments it can lead to financial difficulties, the van being repossessed and a negative impact on your credit score.

    How our van finance works

    Whether you’re choosing from our used campervans and Kombis or building a bespoke camper with us, our finance team is here to help every step of the way.

    1. We always discuss finance plans with you either over the phone or in-person. We’ll make sure it’s the right option for you and your circumstances.
    2. If you’d like to opt for finance, we then process the finance application online with our finance partners.
    3. Our finance partner completes their background checks including a hard credit search.
    4. We’ll let you know if you have been successful or unsuccessful with your claim for van finance.

    Financing on campers and Kombi vans has never been easier, chat to our team today to find out if van finance is right for you.

    Available Vans

    Van Finance Frequently Asked Questions

    Yes, we do offer finance on our used campers and vans. Finance on used vans is subject to a credit check and approval by our finance partners. Have a look at our available used vans, when you find one you like either reserve online or give us a call.

    Yes, you can buy a campervan or commercial van on a finance plan. However, our finance agreements are subject to a credit check and approval by one of our finance partners including Volkswagen Financial Services. Reserve a van or camper online or contact us and we can talk through your finance options and make sure it’s right for you.

    On average, campervan owners who are paying a finance plan, pay the loan off over a 4 to 10 year period. The length of your finance agreement depends on your deposit, monthly payments and the payment terms that are agreed with our finance partner.

    The average interest rate on campervan finance plans is 8.9% APR. Although, the interest rate on your finance plan may be more or less than this average. Use our finance calculator to view the amount of interest you could be charged and how that affects your monthly repayments. 

     

     Your finance plan will detail the exact interest rate on your loan.

    How much deposit you need for campervan finance or Kombi finance can vary depending on a few factors. We’ll let you know how much of a deposit is needed and how this affects your monthly payments. You can use our finance calculator to see a personalised example.

    Yes at Platinum Wave Automotive you can part exchange a vehicle as part of your finance plan. Chat to our team today and visit our showroom to find out more.

    When applying for van finance we’ll need personal information, including but not limited to, your full name, date of birth, vehicle registration number and bank account number.

    There isn’t a set credit score you need to buy a campervan on finance. Our finance partners will do a credit check, taking into consideration your credit history and details. 

     

    Once we input your details into our system, then our finance partners including Volkswagen Financial Services will complete an instant check to decide whether your credit score is acceptable for finance or not.

    We are regulated by the Financial Conduct Authority (FCA) like other car finance providers. The FCA makes sure we’re treating customers fairly, following lending practices and maintaining authorisation to offer credit for our vans and campervans.

    Campervan finance is similar to car finance as it uses Hire Purchase or Personal Contract Purchase plans. However loan amounts for campervans and Kombi vans can be higher. Campervans also require specialised financing compared to cars, as they’re used for leisure transport.

    There are risks involved in taking out a loan. You should ensure you can make all payments on time and in full as failure to do so can lead to the van being repossessed, financial difficulties and a negative impact on your credit score.

    The main disadvantage of van finance is that if you cannot keep up with the monthly payments the lender could repossess the van. 

    Other factors to consider include: 

     

    • Potential penalties for going over your agreed mileage allowance
    • Charges for any damage exceeding fair wear and tear standards
    • Possible fees if you need to end the agreement early