Motorhome Finance Through Oracle Finance
Motorhome Pig introduces buyers to Oracle Finance, an FCA-authorised specialist credit broker, for hire purchase, PCP and lease finance on used motorhomes.
Finance subject to status, age 18+ and UK residency. Oracle Finance is a credit broker, not a lender.
About this introduction
Motorhome Pig is not authorised or regulated by the Financial Conduct Authority. We act only as an unregulated introducer.
Finance is arranged by Oracle Asset Finance Limited (trading as Oracle Finance), authorised and regulated by the Financial Conduct Authority under Firm Reference Number 662576. Oracle Finance is a credit broker, not a lender. Any quotation, application and credit agreement will be issued by Oracle Finance and the lender they introduce, not by us.
Finance is subject to status, age 18+ and UK residency. We may receive a commission from Oracle Finance when a customer we introduce takes out a finance agreement. This does not affect the rate you are offered.
Who Oracle Finance Are
Oracle Asset Finance Limited (trading as Oracle Finance) is an independent UK vehicle finance broker established in 2005, based in Knaresborough, North Yorkshire.
They are authorised and regulated by the Financial Conduct Authority under Firm Reference Number 662576 (registered at Companies House as company number 05564813). They work with a panel of specialist lenders and arrange finance on cars, motorhomes, campervans, horseboxes, vans and motorcycles.
Oracle Finance has a 5-star Trustpilot rating from thousands of reviews and has been a multiple-time winner of “Best Specialist Car Finance Provider” in UK industry awards.
What Oracle Finance Offer
Oracle Finance arrange a number of regulated consumer credit products. They will talk you through the differences and confirm which products are available to you. The descriptions below are factual summaries only — Oracle Finance, not Motorhome Pig, will discuss what is suitable for your circumstances.
Hire Purchase (HP)
You pay an initial deposit and then fixed monthly payments. You own the motorhome outright at the end of the agreement (subject to any final option-to-purchase fee set out in your credit agreement).
Personal Contract Purchase (PCP)
Lower monthly payments than HP, with a larger optional final payment (the “balloon”) at the end. At the end of the term you can pay the balloon and keep the motorhome, return it, or use any equity towards a new vehicle.
Lease Purchase
A hire purchase variant with a larger balloon payment, producing lower monthly payments than standard HP. You own the motorhome after the balloon is paid.
Refinance / Equity Release
If you already own a motorhome outright (or have equity in one on finance), Oracle Finance can discuss agreements that refinance the vehicle.
For specific rates, terms, deposit requirements and a representative example, please speak directly to Oracle Finance or visit oraclefinance.co.uk.
What to Expect
- 1
You tell us which motorhome interests you
Share the make, model, advertised price and your contact details. You don't need to commit to anything at this stage.
- 2
We pass your details to Oracle Finance
Specifically to Tom Gaiety at Oracle Finance. We don't run any credit search ourselves and we don't decide whether you qualify.
- 3
Oracle Finance contact you directly
They will discuss options, eligibility and product choice with you. They are a credit broker and will approach lenders on your behalf if you proceed.
- 4
Oracle Finance handle the agreement
The application, quotation, credit search and credit agreement are all between you and Oracle Finance / the lender they introduce. Motorhome Pig is not party to the credit agreement.
What You'll Need to Provide
- Your full name, email and phone number.
- The motorhome you're interested in (make, model, advertised price).
- Whether you want to part-exchange a current motorhome (mention this and we will flag it to Oracle Finance).
Anything beyond the above — income, employment, address history, credit history — is collected by Oracle Finance or the lender directly when they speak to you. We do not collect financial information on their behalf.
Frequently Asked Questions
Can I get finance on a used motorhome?
Yes. Oracle Finance arrange finance on used motorhomes through a panel of specialist lenders. Acceptance, rate and term are decided by the lender based on your circumstances and the vehicle. We pass your details to Oracle Finance, who handle the application directly with you.
Do I need a deposit?
Oracle Finance will discuss deposit options with you directly. Zero-deposit agreements are available on some products, typically at a higher APR. A larger deposit usually reduces the monthly payment and the total amount payable. The exact figures depend on the lender's decision and the product chosen.
Will applying affect my credit score?
A formal application involves a credit search by the lender, which is recorded on your credit file. Oracle Finance will explain the process when they speak to you, including whether any initial quotation can be run as a soft search.
Can I part-exchange my current motorhome?
Yes. Motorhome Pig can value and take in part-exchange motorhomes — separately from any finance arrangement. If you want to use trade-in equity as a deposit, mention it when we pass your details to Oracle Finance so the lender can structure the agreement accordingly.
Can I settle early?
Regulated UK consumer credit agreements include a statutory right to settle early. The early settlement figure, any rebate of interest and any fees are set out in the credit agreement issued to you by the lender. Oracle Finance will confirm the specifics for the product you choose.
Is finance available on every motorhome you advertise?
Most of our advertised motorhomes are eligible for finance, but acceptance is at the lender's discretion and depends on vehicle age, value and your circumstances. If you have a specific motorhome in mind, tell us and we will pass the details to Oracle Finance with your enquiry.
Speak to us about finance
Give us your details and the motorhome you're interested in. We'll pass them to Tom at Oracle Finance, and he'll be in touch.
Motorhome Pig is an unregulated introducer. Finance is arranged by Oracle Asset Finance Limited (FCA FRN 662576), a credit broker not a lender. Finance is subject to status.