Motorhome financing 2026 – compare the best motorhome loans
Compare motorhome financing options: consumer loan, secured bank loan, dealer instalment and mortgage top-up. Adria, Bürstner, Chausson, Weinsberg – free comparison.
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Motorhome popularity has grown explosively in Finland – in 2024 the stock exceeded 55,000 registered motorhomes (Traficom), and 3,000 – 4,000 new ones are sold annually. Comparison before purchase typically saves €1,500 – €5,000 over the full financing lifecycle – for expensive cars (€60,000+) a secured loan or mortgage top-up is almost always the smartest solution.
What motorhome financing is used for in 2026
The Finnish motorhome market splits into three main categories: compact (under 6 m), mid-size (6 – 7 m) and big liner (7 m+). Popular manufacturers and typical price ranges in 2026:
Compact motorhome (Adria Twin, Weinsberg CaraBus)
Under 6-metre "van conversion" models are the most popular in Finland – easy to drive, fit into a regular parking space, lighter to use in winter. New €60,000 – €90,000, used €30,000 – €65,000.
- Adria Twin Supreme (new, 6 m) 75 000 – 90 000 €
- Weinsberg CaraBus (new, 5.4 m) 62 000 – 78 000 €
- Bürstner Copa (new, 5.4 m) 68 000 – 82 000 €
- Used Adria Twin (3 – 6 yr) 45 000 – 65 000 €
Mid-size semi-integrated (Chausson, Roller Team)
The most common new-motorhome buyer's choice is a 6 – 7-metre semi-integrated. French Chausson and Italian Roller Team dominate this segment in Finland.
- Chausson 640 First Line (6.4 m, new) 70 000 – 85 000 €
- Roller Team Auto-Roller 707 (6.8 m) 75 000 – 92 000 €
- Sunlight T 68 (new, 6.9 m) 68 000 – 82 000 €
- Used semi-integrated (5 – 10 yr) 35 000 – 65 000 €
Big liner class (Concorde, Frankia, Bürstner)
Premium segment, fully integrated big vehicle. 7.5 – 9 metres, big engines (Fiat Ducato 180 hp+). Buyers are typically couples on the threshold of retirement.
- Bürstner Lyseo TD (7.4 m, new) 95 000 – 120 000 €
- Concorde Charisma (8 m, premium) 180 000 – 250 000 €
- Frankia Neo (7.8 m, new) 130 000 – 165 000 €
- Used big liner (5 – 10 yr) 55 000 – 110 000 €
Family motorhome (5 – 6 seats, Chausson Family, Adria Matrix)
For families with 2 – 4 children. 5 – 6 seats, 5 – 6 sleeping places (double alcove or front beds). The most popular family motorhomes in Finland in 2026.
- Chausson Family 660 (new, 6.6 m) 72 000 – 88 000 €
- Adria Matrix Plus (family motorhome) 78 000 – 95 000 €
- Used Chausson Family (4 – 7 yr) 42 000 – 62 000 €
Total cost: €75,000 motorhome financing over 10 years
Example of financing a new Chausson 640 First Line motorhome. Comparison of the four most common financing forms.
| Unsecured consumer loan (Morrow Bank, APR 7.4 %) | ~€106,800 total cost |
| Secured motorhome loan (APR 5.4 %) | ~€96,800 total cost |
| Dealer instalment (APR 8.9 %) | ~€114,500 total cost |
| Mortgage top-up (APR 4.5 %) | ~€93,200 total cost |
| Total investment | ~€13,000 – €21,000 saving vs. dealer instalment |
For big purchase (over €60,000) financing the differences are significant: mortgage top-up is cheapest (if you own a home), secured motorhome loan second best. Unsecured consumer loan is more expensive but more flexible (doesn't tie the car as collateral).
Motorhome financing options in Finland
Motorhome financing requirements
- Regular income – at least €2,800/mo net (for a big vehicle loan €3,500+)
- Clean credit record
- B-class (passenger car) licence – sufficient for driving under 3,500 kg vehicles (most common)
- C-class licence needed for over 3,500 kg (big liners)
- For a secured loan: newer vehicle (under 5 – 8 yr), acts as collateral
- Total debt assessment: new instalment + other loans ≤ 40 – 45 % of net income
How to apply for motorhome financing – 7 steps
- Determine the vehicle budget and financing need. Add: winter storage (€500 – €1,500/yr), insurance (€700 – €1,500/yr), inspection, needed extras (solar panels, awning, bike rack, €1,000 – €5,000).
- If you own a home, first ask your own bank for a mortgage top-up – usually the cheapest.
- Compare 3 – 5 lender consumer loan / secured motorhome loan offers on Lainafy.
- Ask the motorhome dealer for a cash-purchase price. Big dealers grant €1,000 – €3,000 discount to cash buyers.
- Compare total price: cash purchase + consumer loan vs. dealer-offered financing + list price.
- Accept the best financing offer and sign the loan agreement.
- Cash purchase – money transferred directly to the dealer. Take the vehicle and arrange motor + comprehensive insurance before first drive.
Case example: Jarkko's Chausson 640 First Line – €80,000, Turku
Jarkko was a 55-year-old retiring teacher with an owned apartment in central Turku and €20,000 in savings. He wanted to buy a new Chausson 640 First Line motorhome (€75,000) together with his spouse. The dealer offered an instalment at APR 9.2 %. Jarkko compared on Lainafy and a mortgage top-up from his bank. With cash purchase the dealer granted a €2,500 discount → vehicle price €72,500.
- Own capital
- €20,000
- Mortgage top-up (12 yr, APR 4.5 %)
- 52 500 €
- Monthly instalment
- ~€480/mo
- Total cost 12 yr
- ~€69,100
Result: Jarkko's total saving vs. dealer-offered instalment ~€12,000 – €15,000 over 12 yr. Vehicle became his immediately and available during retirement.
The most common mistakes in motorhome financing
- Not considering a mortgage top-up – if you own a home, this is almost always cheapest. The difference vs. dealer instalment can be €15,000 – €25,000 over 12 yr on a big loan.
- Buying too big a vehicle without experience – for a first motorhome a 6 m van conversion or semi-integrated is recommended, not straight to an 8 m liner.
- Underestimating operating costs – insurance (€700 – €1,500/yr), winter storage (€500 – €1,500), service (€300 – €800/yr), camping spots on trips (€25 – €60/night).
- Not comparing – dealer instalment is typically 3 – 5 percentage points more expensive than a secured loan.
- Taking too long a repayment period without buffer – motorhome life is typically 15 – 20 yr, loan can be max 12 – 15 yr.
- Not assessing seasonal use – in Finland a motorhome is used typically 4 – 6 months per year. Monthly instalment runs year-round.
Frequently asked questions
What is the best financing form for a motorhome?
For vehicles over €40,000: 1) mortgage top-up (cheapest if you own a home), 2) secured motorhome loan (car as collateral), 3) unsecured consumer loan. For used vehicles under €30,000 a consumer loan from Lainafy is most practical.
Can I finance a used motorhome?
Yes. A used motorhome (5 – 10 yr) typically saves 40 – 60 % vs. new. Getting a secured loan for a used vehicle is more limited (lenders usually require under 5 – 8 yr old as collateral). For an older used vehicle an unsecured consumer loan or mortgage top-up is best.
Is it worth buying a new or used motorhome?
A used one (3 – 7 yr) is almost always the smartest purchase – price difference vs. new is 30 – 50 %, but quality brands (Adria, Bürstner, Chausson) hold up well for 15 – 20 yr. Check service history and possibly do an expert inspection (€200 – €500).
How much does motorhome insurance cost?
In Finland motorhome motor insurance + comprehensive typically costs €800 – €1,800/yr depending on vehicle value, driver age and bonuses. Seasonal insurance (summer months only) saves 30 – 50 % – recommended if the vehicle is stored for winter.
Where is a motorhome stored for winter?
Common options in Finland: outdoor storage (€300 – €800/season), fenced outdoor spot (€500 – €1,200), indoor hall storage (€1,500 – €3,500). Indoor storage extends vehicle life significantly and insurers grant a discount on comprehensive insurance.
What is the best repayment period for a motorhome loan?
For big loans (over €50,000) typically 10 – 15 years. Vehicle life is 15 – 20 yr, so the loan should not be longer than that. 12 years is a good compromise between instalment and total cost.
Can I use the motorhome as collateral?
Yes, if the vehicle is newer (under 5 – 8 yr). A secured motorhome loan APR is 5 – 7 %, which saves significantly vs. unsecured consumer loan (APR 7 – 12 %). Secured limitation: selling the vehicle requires lender approval.
Can I pay off the motorhome loan early?
Yes. Under €10,000 loans without fees, over €10,000 loans a possible max 1 % fee. Mortgage top-up terms vary by bank – check with your bank.
See also other financing options
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