Even in times of confinement, the motorhome is the favorite leisure vehicle of the French for traveling. It allows you to travel with family or friends. With the luxury of feeling at home. However, the prices of motorhomes are not light. Funding takes place on average over a period of 10 to 12 years. Many households are looking for a motorhome loan over 180 months, or 15 years. And for good reason, if you choose a heavyweight motorhome, the price goes up further.
Tips for buying a motorhome
More and more French people want to own a motorhome. This mode of transport reaches 2 million followers in France alone. Is it more advantageous for you to buy or rent? Before projecting into the act of purchasing, you have to ask yourself the right questions.
- How many people will be living in the motorhome? Depending on the model, the reception capacity changes. This can go up to 6 beds.
- How often do you plan to use the motorhome? But also at what time of the year?
- What are your most important criteria: space, comfort, kitchen, engine?
- Do you plan to park it at home?
- Would you like to load a scooter or motorbike into the camper van to get around faster? The heavy-duty motorhome offers more space. And generally, a cabin for a two-wheeler.
Depending on all your answers, you will define the template and model you need yourself.
Financing the motorhome
Now that you've identified the model of your dreams, it's time to take a look at the different financing solutions available to you.
The affected motorhome loan
The concession loan means something to you. Motorhome sellers are increasingly turning to credit institutions. This allows them to finance individuals directly from the dealership. The risk is transferred. So if you opt for a Paydaychampion loan in concession, it is Paydaychampion Credit which will bear the final risk. However, the dealership takes care of the loan file for you.
Funding from 12 to 180 months. On interesting terms. Besides negotiating the price of the vehicle, you can benefit from the maturity offset. This allows you to start paying in 1 or 2 months. Loisirs Finances also offer this type of solution.
Apply for your personal loan
This solution is the counterpart of concession financing. With the Gadcapital loan , benefit from a motorhome loan without moving. Direct financing with the lending institution.
You can take out your personal loan from mutual insurance companies, insurance companies and also banks. To compare the offers, the best is to use a credit comparator or a loan calculator. The interest rate will be presented to you transparently. Contrary to popular belief, the maximum financing term is not shorter than the allocated credit. You can repay up to 180 monthly payments.
Alternatives to consumer credit
Rental with purchase option or take-back commitment
The LOA or LER are alternatives to dispose of your motorhome. But be careful, you are not the owners. This is a long term rental. At the end of this contract, the vehicle is taken back if you wish by the dealership. Depending on the clauses, the price can be fixed in advance.
Advantage of this solution: maintenance is generally provided and included in the rents. In addition, you only drive very recent vehicles. Then at the end of each rental, you can leave on a new motorhome.
For the financing of a motorhome, you can contract financing from an individual. This from a cofunding and credit site. Union Loan or Younited Credit offers this kind of contract.
Otherwise, why not rent your motorhome? So it is your tenants who will repay your debts. On the same model as Airbnb, find individuals to borrow your vehicle.
As we have seen, there is not a single camping car loan but an infinity. Ditto for motorhome insurance . So do your research once the purchase has been made. The issues concerning insurance are also the subject of a special study.
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