Warning, borrowing money also costs money.
I’m Buying a Caravan: Financing for Your Home on Wheels
With our caravan and motorhome loan solutions, give yourself the freedom to discover the world at your own pace, whether in the heart of nature or on the open road. Finance your mobile base and set off to create unforgettable memories!
Simulate your caravan loanLegal Notice
** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
Discover the Caravan Loan: Your Passport to Getaway
The Caravan Loan is an installment loan specifically designed for the acquisition of your mobile holiday home. It is a specific-purpose loan, which means the funds are exclusively dedicated to the purchase of your caravan. This feature often gives you access to more attractive financing conditions and interest rates than a classic personal loan.
A few examples of projects you can achieve with our Caravan Loan:
- Acquiring a new caravan: for modern comfort and the latest features.
- Buying a used caravan: a smart choice for a controlled budget and your first adventures.
- All types of models: rigid, low-profile, pop-top, or even a “teardrop” for the more adventurous.
- Financing with or without a down payment: adapt the loan to your current financial situation.
- Inclusion of essential accessories: finance the awning, a “mover” for easy maneuvering, or a satellite dish at the same time.
Thanks to our online simulation, you can define in just a few clicks:
- The total budget for the caravan of your dreams and its equipment.
- A monthly payment that preserves your holiday and leisure budget.
- The most comfortable repayment term for you.
With a competitive rate and clear conditions, the Caravan Loan is the ideal solution to make your getaway project a reality with complete peace of mind.
Free • No obligation • Quick initial decision
Why choose a dedicated Caravan Loan?
More than just a loan, the Caravan Loan is a solution designed for travel enthusiasts looking to combine freedom with financial security:
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An often optimized APR: Since the loan is tied to a tangible asset (the caravan), the lender has a guarantee, which translates into a more advantageous Annual Percentage Rate (APR) for you.
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Enhanced buyer protection: The credit is intrinsically linked to the purchase. If the caravan sale is canceled, the credit agreement is also automatically void. This is an essential safeguard.
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Extended repayment terms: As a caravan is a long-term investment, we offer repayment terms of up to 120 months for lighter monthly payments.
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Tailor-made financing: The amount is precisely calculated to cover the price of your caravan, new or used, thus avoiding borrowing more than necessary.
These advantages make the Caravan Loan the wisest choice for acquiring your mobile cocoon with confidence and starting to plan your next adventures.
Getting Your Caravan Loan: A Simple 5-Step Process
Our goal: to enable you to hitch up your new caravan without delay or administrative hassle.
1. Online Simulation
Use our simulator to adjust the amount and term. Instantly see your monthly payment and the total cost of your project.
2. Application and Documents
Complete your online application and prepare the necessary documents, especially the purchase order for the caravan of your dreams.
3. Analysis and Response
Our experts carefully analyze your file and provide you with a quick initial decision so you don’t miss out on a great opportunity.
4. Contract Signing
Once the financing offer is accepted, you sign the contract, often electronically for speed and simplicity.
5. Fund Disbursement
After the final agreement, the funds are transferred directly to the seller (dealership) or to your account upon presentation of the final invoice.
At every step, our advisors are here to guide you and answer all your questions.
Flexible Financing, Just Like Your Travel Desires
The caravan loan is designed to be as flexible as your future use:
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Fixed rate and constant monthly payments: No nasty surprises. You know the exact amount of your repayments from the start, making it easier to manage your overall budget.
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A term that adapts to you: Choose a long repayment term for light monthly payments that won’t impact your expenses for campsites, activities, or fuel.
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Early repayment possible: An unexpected windfall? The law allows you to repay all or part of your credit before the due date, under regulated conditions.
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Financing up to 110%: Subject to the approval of your application, you can finance not only the purchase price but also related costs such as VAT and the first registration.
This flexibility is our commitment to ensuring your purchase project is synonymous with serenity and pleasure.
More Than a Purchase, an Investment in Your Freedom
A well-thought-out financing plan is the first step in turning your caravan dream into an endless source of happiness and memories.
Travel with a light heart
By choosing a suitable monthly payment, you maintain your budgetary capacity to fully enjoy campsites, tours, and restaurants along your route.
Target the right caravan
Knowing your financing budget from the start allows you to specifically search for the model that perfectly matches your needs and means.
Benefit from our advice
Our advisors are specialists in financing leisure vehicles. They support you to optimize your application and find the best solution.
Take the first step towards a new way of traveling, where your home follows you wherever your heart leads.
They chose their mobile home-away-from-home with us
“Buying our first caravan was a big project. The simulator showed us it was possible! The loan was approved quickly. Now, we have our base camp for weekends, and the kids love it. We unhitch the car and go explore the surroundings, it’s great!”
“As retirees, we wanted a new caravan for the comfort. The loan conditions were very clear and the rate was really attractive. The advisor handled everything with the dealership. A true turnkey service. We’re off to Italy next month!”
What our clients appreciate most:
- The simplicity of the online application process.
- The transparency of the conditions and rates for leisure vehicles.
- The support from experts who understand their life project.
Your project of freedom starts with a financing you can trust.
Caravan Loan FAQ
Find the answers to the most frequently asked questions about financing your future caravan in Belgium and Luxembourg. Prepare your project with complete peace of mind.
The fundamental difference is the purpose of the loan. A Caravan Loan is a “specific-purpose loan,” meaning it can only be used to finance the purchase of the caravan specified on the purchase order. A Personal Loan allows you to use the funds as you wish, without proof of purchase.
The advantages of a specific-purpose loan for a caravan are twofold:
- A better rate (APR): The lender knows the asset being financed, which serves as a guarantee and allows them to offer more favorable terms.
- Protection for you: If the caravan sale falls through (e.g., issues with the seller), the loan is automatically canceled. You don’t have to repay anything.
Yes, absolutely. Our financing solutions are valid for the purchase of a new caravan from a dealership, as well as a used caravan, whether from a professional or a private individual.
For a purchase from a professional, the purchase order will suffice. For a private sale, a formal sales agreement will be necessary to justify the use of the funds. The age of the used caravan may influence the maximum repayment term. Feel free to use our simulator to explore your options.
No, it is not always mandatory to provide a down payment (or personal contribution). It is entirely possible, depending on your financial profile, to obtain 100% financing of the purchase price, or even more (up to 110% to cover related costs).
However, a down payment is often a plus:
- It reduces the amount you need to borrow, and therefore your monthly payments.
- It can reassure the lender and strengthen your application file.
- It lowers the total cost of your credit.
Our simulator allows you to compare offers with and without a down payment to make the best choice.
The repayment term for a caravan loan is designed to be flexible and adapt to this significant investment. It is generally longer than for a standard car loan.
Depending on the amount borrowed and whether the vehicle is new or recent, the term can extend up to 120 months (10 years), and in some cases even 144 months (12 years). Choosing a longer term can reduce the burden of the monthly payment on your budget, but it will increase the total cost of interest. The key is to find the right balance for you.
To speed up the processing of your application, please prepare the following documents:
- Proof of identity: copy of your ID card or passport.
- Proof of income: your last 2 or 3 payslips, your most recent tax assessment.
- Proof of expenses: recent bank statements showing your rent or mortgage payments, and any other current loans.
- The key document: a copy of the signed purchase order or the pro-forma invoice for the caravan.
Having these documents ready will save you valuable time.
Legally, payment protection insurance (also known as remaining balance insurance) is not mandatory for a consumer loan. However, it is highly recommended, especially for a project of this scale.
This insurance is a protection for your loved ones. In the event of death, the insurer repays the remaining outstanding capital, thus preventing your family from inheriting the debt for the caravan. It is an essential safeguard for traveling with complete peace of mind. Our advisors can inform you about the different options.