Finance motorhomes, camper vans and caravans

Unlike a cash payment, financing incurs additional costs. Their amount depends in particular on the financing amount, the term, the nominal interest rate, the annual percentage rate and the chosen financing model.

For a comparison, you should not only focus on the monthly payment. The key factors are the annual percentage rate and the total amount you will repay over the entire term.

Financing can still be worthwhile if you maintain financial reserves and can comfortably manage the agreed payments over the long term. Which option is right for you depends on your personal financial situation.

The annual percentage rate takes into account not only interest but also other known credit costs and is therefore the more important comparison metric.

When you finance a caravan or motorhome, the interest rate is determined by various factors such as the term, your creditworthiness, and current market conditions. Accordingly, we cannot provide flat-rate information, as offers are always 100% individually tailored. What we can guarantee is that we always provide you with transparent terms and fair interest rates.

Yes, financing for caravans and motorhomes is also possible without a down payment. The specific terms and options depend on your creditworthiness and the chosen financing model. We are happy to advise you personally on your individual options.

At schaffer-mobil, we are happy to accept your used motorhome or caravan as part payment at fair terms. For an accurate valuation, we need a detailed description of your vehicle and its condition. Based on this information, we will provide you with a fair offer so you can trade in your vehicle.

Go to purchase form

For the financing request, you generally need the following documents:

• Valid ID card
• Income statements from the last three months
• Current bank statements
• Where applicable, proof of equity or collateral

For consumer loans for caravan financing, the following flexible options are available:

• Extra payments: You can repay additional amounts and thereby reduce the remaining debt. A prepayment penalty of 1% applies. For balloon financing, the balloon is paid off first. This results in an interest advantage over the loan term.
• Early repayment: You can repay the entire loan before the end of the term. The bank charges a limited prepayment penalty of 1%.
• Payment adjustment or deferment: In case of financial difficulties, you have the option to defer or adjust payments. However, this must be arranged individually.

Financing for the purchase of a recreational vehicle (e.g., motorhome, caravan) can offer several advantages:

• Immediate use: You don't have to save for years, but can use the vehicle directly and realize your leisure plans in the near term.
• Preserve your savings: Your existing capital remains as a financial reserve for unexpected expenses or other investments.
• Predictable costs: With fixed monthly payments, expenses can usually be easily integrated into your household budget.
• Flexibility in vehicle selection: Financing can make it possible to purchase a better-equipped or newer model than would be possible with a lump-sum payment.
• Inflation adjustment: Instead of spending a large amount immediately, you spread the costs over a longer period.
• Individual terms: Many financing offers (Classic/Budget) can be adapted to your personal financial situation.

In short: Financing can make sense if you want to use your recreational vehicle immediately, want to maintain your liquidity, and can comfortably manage the monthly payments over the long term.

Vehicle financing with schaffer-mobil takes place in partnership with Openbank Deutschland AG. This has many advantages compared to your own bank.

• Attractive special rates: Manufacturer banks or Openbank Deutschland often offer particularly favorable interest rates. You also benefit from regular promotional financing with customer advantages. 

• Everything from one source: Vehicle purchase and financing are handled directly with schaffer-mobil. This means less administrative effort and faster processing. 

• Customized financing models: Financing offers are specially tailored to each vehicle. Flexible terms and payment models are possible. 

• Higher financing expertise for vehicles: Manufacturer banks or Openbank Deutschland know the vehicle value and market conditions precisely. This often enables uncomplicated and faster credit decisions for recreational vehicles, because credit inquiry, digital review, and approval can be realized in the shortest time through direct connection to the dealer. Financing can usually be completed directly when purchasing the vehicle.

• Additional benefits and services: There are additional options such as obtaining useful warranties and insurance.

First, you sign the financing contract digitally and the purchase documents at schaffer-mobil. Be sure to review the term, interest rate, monthly payment, final payment (if applicable), and special repayment options. The lender then pays the purchase price directly to us; you usually don't have to forward the money yourself.

The vehicle can then be delivered as soon as all documents are complete and payment has been released. After that, monthly payments begin. On the agreed date, the monthly installments are debited from your account. The first deduction usually takes place a few weeks after the contract is signed. 

You now pay the agreed installments until the end of the term. Depending on the contract, you can make special repayments or repay the loan early. With a classic installment loan, the vehicle is yours after the term ends and full payment. With balloon financing, a final payment may be due at the end of the term. Leasing or special financing models have different terms.

Tip: Keep your financing contract, amortization schedule, and all payment receipts safe. This way you always have an overview of the remaining debt and the term.

Basically, three protection packages are available:

• CampCare (Repair cost insurance guarantee)
• DrivePro (Workshop bill support and mobility assistant for breakdowns and damage)
• SafePro (Protection against economic total loss in relation to purchase price)

Depending on your vehicle and the respective financing offer, you can take out these exclusive protection packages. You benefit from numerous advantages: 

• Possible better financing conditions: Some lenders offer lower interest rates with additional protection or facilitate loan approval, as the risk for the bank decreases.
• Budget control: Unexpected additional costs are avoided.
• Avoidance of payment arrears: Protection can help prevent dunning costs, negative credit reports, or even loan termination.