Caravan loans for the big lap and beyond
Off-road vans, campers, pop-tops and motorhomes: longer terms and specialist lenders can keep repayments comfortable.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How caravan & camper loans work with us
Caravans hold their value well, so lenders offer competitive secured rates and, for some, terms longer than a typical car loan.
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Buying from a dealer, at a show or from another traveller, your broker lines up finance so you can lock in your van.
- New and used caravans
- Off-road vans
- Camper trailers
- Pop-tops
- Motorhomes and campervans
- Fifth wheelers
Longer terms
Some lenders offer extended terms on higher-value vans and motorhomes.
Show-ready pre-approval
Get approved before the caravan show so you can negotiate on the spot.
Private sales
We check the van for money owing and arrange seller payment.
Retiree-friendly lenders
Some lenders assess super or investment income. Ask your broker.
Buying a caravan at a show: how to get your finance ready
Pre-approval lets you compare show vans on features and price, though it's usually conditional on the specific van. Before signing, check the drive-away price, towing limits, and compare any show finance on total cost.
Read the full explanation
Caravan and camping shows are full of show specials, and dealers often push for a deposit on the day. Arriving with pre-approval means you know your limit before you walk the aisles, so you can compare vans on features and price rather than on whatever repayment the dealer quotes. Pre-approval is usually conditional on the lender approving the specific van, so ask your broker how long it lasts and what details the lender will need.
Before you sign, check the full drive-away price, including on-road costs, registration and any options you've added. Make sure the van's ATM and ball weight suit your tow vehicle, because a van your car can't legally tow is an expensive mistake. If a dealer offers show finance, compare it with your pre-approval on total cost, including fees and any balloon, not just the weekly repayment.
- Couples and retirees planning the big lap
- Families wanting affordable holidays for years
- Buyers stepping up from a camper trailer
- Grey nomads buying a motorhome or fifth wheeler
Pros and watch-outs
Pros
- Caravans tend to hold value, which lenders consider
- Longer terms can keep repayments comfortable
- Pre-approval helps negotiation at shows and dealers
- Some lenders assess retirement and investment income
Watch-outs
- !Long terms mean paying interest for many years
- !Storage, servicing and towing upgrades add real cost
- !Heavily used off-road vans can lose value faster
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Establishment and dealer fees
Show and dealer finance may include origination or documentation fees. Get every fee in writing.
Balloon payment
Lowers repayments over a long term; make sure you can pay it at the end.
Insurance
Comprehensive cover is usually required. Premiums depend on value, use and storage.
Interest over longer terms
Terms beyond seven years cut repayments but add interest. Compare total cost across terms.
Early payout fee
Might sell after one big trip? Check the cost of paying out early.
Tips to strengthen your application
- 1Check your tow vehicle's capacity before choosing a van
- 2Get pre-approved before caravan show season
- 3Ask for a weighbridge certificate and service records on used vans
- 4Have super, pension or investment statements ready if retired
What you’ll need
What you’ll need
- Driver's licence or passport
- Two recent payslips, or tax returns if self-employed
- Last 90 days of bank statements
- Current debts and regular expenses
- Van details and seller or dealer quote
What lenders look for
- 18+, Australian citizen or permanent resident (some lenders consider visa holders)
- Regular, provable income
- A credit history your broker can explain, blemishes included
- Repayments that comfortably fit your budget
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Caravan & camper loans: common questions
How long can I borrow over?
Many lenders offer up to seven years, and some offer longer on higher-value caravans and motorhomes. Longer terms lower repayments but increase total interest.
Can retirees get caravan finance?
Yes, with the right lender. Some assess income from super, pensions or investments. Your broker will explain what evidence is needed.
Is a motorhome financed differently?
Motorhomes are usually financed like vehicles and caravans like trailers, but both can be secured loans with similar rates.
Can I finance a second-hand van?
Yes. Most lenders finance used caravans, subject to age and condition at the end of the term.
Can I finance a caravan and tow vehicle together?
Some lenders allow both in one application, or you can take two separate loans. Either way, lenders assess the combined repayments against your income. Your broker can explain which approach suits you.
Do I need a deposit for a caravan loan?
Not always. Many lenders will finance the full price for applicants with good credit and stable income. A deposit lowers the loan amount and repayments, and may help if your credit history isn't perfect.
Can I live in my caravan full-time with a caravan loan?
Some lenders are comfortable financing a van used for full-time travel, while others have restrictions. Tell your broker how you'll use it, as it can affect which lenders and insurers are suitable.
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