Sell a caravan with outstanding finance

You can sell before the finance is paid off

Lots of caravans, motorhomes and campervans are bought on finance. If your plans have changed, you may want to sell before the agreement ends. You can, but the finance needs to be settled as part of the sale.

With hire purchase (HP), the finance company legally owns the caravan until the last payment is made. A private buyer would need to trust that you’ll pay it off, which is why many won’t buy a caravan with finance. We handle it properly instead: we pay your lender directly. For independent guidance on credit agreements, see Citizens Advice.

How it works

1. Get a price. Fill in the form on this page and choose “Yes” for outstanding finance, or tell us on WhatsApp.
2. We get a settlement figure. With your permission, we contact your finance company to confirm exactly what’s owed.
3. We agree the numbers. You’ll see our offer, the settlement amount and what you’ll receive.
4. Collection day. We pay the lender, pay you the difference by instant bank transfer or cash, and collect the caravan.

An example

	Amount
Our offer for your caravan	£12,000
Finance settlement figure	£7,500
Paid to you on collection	£4,500

Figures are an example only. Your offer depends on your caravan and your settlement figure.

If you owe more than it’s worth

If the settlement figure is higher than our offer, you’re in negative equity. You can still sell, but you’ll need to pay the difference to your lender. We’ll show you the figures before anything is agreed, so you can decide whether selling now makes sense.

What you’ll need

• Your finance agreement number and the lender’s name
• Photo ID that matches the name on the agreement
• For motorhomes and campervans, the V5C logbook
• Any service history you have

See our caravan selling paperwork guide for the full list.

Selling something else?

We settle finance on every type of vehicle we buy: touring caravans, motorhomes and campervans. Not sure what it’s worth? Start with a free valuation.