​​​​​​​What is leisure finance?

Black Horse Leisure Finance helps you spread the cost of a new or used caravan, motorhome or holiday home.

Instead of paying the full cost of the caravan, motorhome or holiday home upfront, you would typically pay a deposit and make monthly repayments which include any interest payable, over an agreed term.

Black Horse buys the caravan, motorhome or holiday home on your behalf and you will become the owner once all monthly repayments and any optional final repayment including interest have been made.

 

​​​​​​​Our finance products

The dealers that we work with may offer a range of finance products. Each of our finance products works slightly differently.
​​​​​​​Our products and the differences between them are explained in more detail below.

​​​​​​​Further information is also available in our Product Guides. You should read these guides to help you decide which product is right for you. 

Caravan Product Guide (PDF, 1.5MB) 
Motorhome Product Guide (PDF, 1.7MB)
Holiday Home Product Guide (PDF, 1MB)

Alternatively, why not watch our Finance Product Videos which can be found below.

All lending is subject to status checks and an affordability assessment.

Key customer information

Hire Purchase (HP)

Personal Contract Purchase (PCP)

 Not available on holiday homes

Key customer information

New and used Caravans, Motorhomes or Holiday Homes

Hire Purchase (HP)

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Personal Contract Purchase (PCP) Not available on holiday homes

New caravans or motorhomes only

Key customer information

Length of agreement

Hire Purchase (HP)

From 1 - 10 years.*

*park restrictions may apply for holiday homes

Personal Contract Purchase (PCP) Not available on holiday homes

From 1 - 5 years.

Key customer information

Deposit / Initial payment required

Hire Purchase (HP)

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 £0 deposit may be available

Personal Contract Purchase (PCP) Not available on holiday homes

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£0 deposit may be available

Key customer information

Fixed monthly repayments

Hire Purchase (HP)

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Personal Contract Purchase (PCP) Not available on holiday homes

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Key customer information

Optional final repayment at agreement end

Hire Purchase (HP)

Personal Contract Purchase (PCP) Not available on holiday homes

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Key customer information

Maximum permitted age at agreement end

Hire Purchase (HP)

Caravans and motorhomes - typically 20 years.
Holiday homes - varies depending on rules of chosen holiday park

Personal Contract Purchase (PCP) Not available on holiday homes

5 Years

Key customer information

Ownership at agreement end

Hire Purchase (HP)

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Personal Contract Purchase (PCP) Not available on holiday homes

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After optional final repayment is paid

Key customer information

End of contract goods return option

Hire Purchase (HP)

-

Personal Contract Purchase (PCP) Not available on holiday homes

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Return conditions apply.

Key customer information

Maximum Annual Mileage  - Motorhomes only

Hire Purchase (HP)

-

Personal Contract Purchase (PCP) Not available on holiday homes

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 8,000 per year

Key customer information

Mileage charges (if you exceed agreed mileage) - Motorhomes only

Hire Purchase (HP)

-

Personal Contract Purchase (PCP) Not available on holiday homes

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Charges apply if you return the motorhome

Key customer information

Condition Charges (if caravan or motorhome is not in good condition upon return)

Hire Purchase (HP)

-

Personal Contract Purchase (PCP) Not available on holiday homes

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Charges apply if you return the vehicle

Key customer information

Voluntary termination rights

Hire Purchase (HP)

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Return conditions apply.

Personal Contract Purchase (PCP) Not available on holiday homes

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Return conditions apply.

Key customer information

Early Settlement option

Hire Purchase (HP)

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Personal Contract Purchase (PCP) Not available on holiday homes

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Key customer information

Fully comprehensive insurance required

Hire Purchase (HP)

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Personal Contract Purchase (PCP) Not available on holiday homes

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Key customer information

Ability to amend monthly payment due date

Hire Purchase (HP)

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 Once every 12 months. 

Personal Contract Purchase (PCP) Not available on holiday homes

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Once during the agreement. 

Our finance product videos

​​Our finance product videos explain the finance products available from Black Horse.
Watch the videos to help you decide which product is right for you.

Hire Purchase (HP)

Personal Contract Purchase (PCP)