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Used Caravan Loans

Q: LCA - FAQ - How much can I borrow?

You can borrow between $10,000 to $150,000.

Q: LCA - FAQ - Are there any fees?

Yes. There is a $400 application fee ($500 via a private sale) and $8 monthly fee.

Q: LCA - FAQ - How quickly is a caravan loan approved?

You can get pre-approved on the same day, and final approval within 2 days. The overall processing time, from application to settlement, typically takes 3 to 4 days if all required documents are provided in a timely manner.

Q: LCA - FAQ - Is a caravan loan secured or unsecured?

At loans.com.au , we offer secured caravan loans.

Q: LCA - FAQ - What type of caravans does loans.com.au finance?

We finance most caravans towable by a motor vehicle, including classic caravans, off-road caravans, camping trailers and pop tops. We do not accept campervans, motorhomes. To learn more about the types of caravan we finance, get in touch with our friendly lending team today .

Flexibility, freedom and independence. That’s the lifestyle our caravan loan supports.

Award-winning loans

Variable Caravan Loan - Used

7.99

p.a

Rates from**

9.12

p.a

Comparison rate*

Available for property owners only
Approval within 24 hours^~
3 - 7 year loan terms available^{^^}
Borrow from $10,000 - $150,000
Available for used caravans up to 5 y/o
Redraw up to $5,000/day for variable rates

Apply Now

Our Google Rating

4.6

701 reviews

More reasons to choose us for your used caravan loan

Competitive rates

Apply anytime, and from anywhere

Online convenience, local support

Smarter lending for your  pre-owned caravan

Rates

Rate type

Variable Fixed

Product	Interest rate^**	Comparison rate^*
Variable Caravan Loan - Used < 5 years old	7.99% p.a.**	9.12% p.a.*

Product	Interest rate^**	Comparison rate^*
Fixed Caravan Loan - Used < 3 years old	8.34% p.a.**	9.47% p.a.*
Fixed Caravan Loan - Used < 5 years old	8.44% p.a.**	9.57% p.a.*
Fixed Caravan Loan - Used 6-7 years old	8.74% p.a.**	9.87% p.a.*

Features

Loan terms that suit your plans	Up to 7 years loan term
Finance your ideal caravan	Borrow from $10,000 to $150,000
Flexible repayment schedule	Weekly, fortnightly or monthly
Fast approval	Within 24 hours^~
Easy online access	Access your loan anytime with the Smart Money app

Fees

Application fee	$400
Monthly fee	$8
Discharge fee	$0
Early termination fees	Variable $0 Fixed $700 in the first and second years of the loan term. $500 in subsequent years of the loan term (excluding final year).

Frequently asked questions

How much can I borrow?

You can borrow between $10,000 to $150,000.

Are there any fees?

Yes. There is a $400 application fee ($500 via a private sale) and $8 monthly fee.

How quickly is a caravan loan approved?

You can get pre-approved on the same day, and final approval within 2 days. The overall processing time, from application to settlement, typically takes 3 to 4 days if all required documents are provided in a timely manner.

Is a caravan loan secured or unsecured?

At loans.com.au, we offer secured caravan loans.

What type of caravans does loans.com.au finance?

We finance most caravans towable by a motor vehicle, including classic caravans, off-road caravans, camping trailers and pop tops. We do not accept campervans, motorhomes. To learn more about the types of caravan we finance, get in touch with our friendly lending team today.

View more FAQs

Ready for your caravan adventure?

Apply Now

Our caravan loan application process

Apply Online

Complete your application through our online platform.

Apply Now

Upload & Track

Submit your documents and monitor your application in real time via our onTrack portal.

Speak to our Specialist

Our caravan lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.

Approval & Signing

Review and sign your caravan loan documents and loan agreement via onTrack.

Settlement

Your loan settles, which means your funds will be ready and paid directly to the seller.

Manage Your Loan

You'll receive your login details to manage your repayments and account details via our Smart Money app.

Mandi

Verified review

Mandi

Verified review

Meet Mandi, an amazing customer of ours who came to us when she needed a car after relocating to Australia.

After recently moving from New Zealand to Australia, Mandi and her family needed a reliable vehicle to settle into their new life.
They were looking for something fuel-efficient, well-priced, and practical, with an intuitive navigation system, especially since buying a car in Australia was a very different experience compared to back home.

Read story

Customer reviews

Our Google Rating

4.6/5

701 reviews

Gavin M.

5/5

01 Mar 2026

“ Fantastic service - really quick from my initial request through to finalising the process, friendly throughout, and competitive terms. This is the second time I have used them, and they are every bit as good as the first time. „

Mark B.

5/5

01 Mar 2026

“ I have worked in vehicle asset finance for 12 years and loans.com.au are easily one of the best to deal with. The entire process is so simple from start to finish, digital application, uploads and doc signing. Throw in great rates and a really helpful team. I’ve used them twice now and wouldn’t really want to go anywhere else in the future. „

Jenni B.

5/5

27 Feb 2026

“ The team are brilliant. They make applying for and understanding the loan process very accessible and easy. They called me before I had to call them and made the whole experience smooth and hassle free. „

Tracie H.

5/5

18 Feb 2026

“ We have had a loan with loans.com.au for quite a few years. They were fantastic when we recently purchased a new home. They were in constant communication with us and quickly answered any questions we had. They made the change from one loan to another so easy. Definitely recommend them. „

Ai Chi

Lending Specialist

Have questions?
Talk to one of our Brisbane-based lending specialists

Ai Chi and her team of caravan lending specialists are here to answer your questions to get you on the road sooner for your next adventure.

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Still deciding? Check your borrowing power.

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Used Caravan Loans

Variable Caravan Loan - Used