Caravan finance
Our fixed or variable caravan loans can fund your camper trailer or caravan purchase so you can get out there exploring sooner.
Variable Caravan Loan
New
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Available for Home Owners only -
Available for New caravans^
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Redraw up to $5,000/day for variable rates
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Up to 7 year loan term
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Variable rate adjusts with interest rate changes
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Get Preapproved to confidently secure your caravan financing
Why our caravan loans could the be the right fit for you.
Pre-approved in minutes~
By applying online and getting pre-approval, you’ll know what your caravan budget really is which is great for negotiating.
Flexible borrowing terms
Borrow from as little as $10,000. Choose from three to seven years, with weekly, fortnightly or monthly repayment options.
Redraw extra funds
Redraw access up to $5,000/day on a variable rate loan if you’re ahead on repayments, adding flexibility for caravan repairs.
Competitive rates
We offer some of the most competitive caravan loan interest rates in market, meaning you can keep your repayments affordable.
It’s time to getaway.
To qualify for our caravan loan, acceptable asset types are considered as;
- Caravan: A caravan is a rigid unit that can be towed by a motor vehicle, with either a fixed or pop top.
- Camper Trailer/Camper: A trailer with unfolding canvas roof and sides which, when laid out, forms a living/sleeping area.
- Hybrid Caravan: A hybrid caravan is a cross between a caravan and a camper trailer. It has hard, permanent walls like a caravan, but the suspension and towing ability of a camper trailer.
Assets types we will not provide a caravan loan for are;
- Campervan: A standard motorised van equipped with most of the features and fittings found in a caravan. Some units have a roof which may be raised. Also known as a motor camper.
- Motor Home: A unit which consists of a self-contained living unit mounted onto a standard cab chassis.
- Any type that is DIY home built
To find out if your caravan is on our approved list of asset types, just call 1300 145 323 and speak with one of our caravan lending experts.
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| Rates |
|
| Key Features | Flexible loans | |
| Approval within 24 hours~ | ||
| Borrow from $10,000 to $150,000 | ||
| Easy online process | ||
| Access your account via Smart Money app |
| Repayments | Frequency | Weekly, monthly or fortnightly |
| Estimated repayments | $170 per week# The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.99% p.a. paying variable rate. |
| Fees |
Application fee |
$400 |
| Monthly fee | $8 | |
| Discharge fee | $0 | |
| Early termination fee | 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). |
Variable |
||
| Variable Caravan Loan - New | Interest Rate: 6.99% p.a.** |
| Comp Rate: 8.12% p.a.* |
Fixed |
||
| Fixed Caravan Loan - New | Interest Rate: !{jsonData.new-caravan-loans.fixedRate}% p.a.** |
| Comp Rate: 8.97% p.a.* |
| Flexible loans | |
| Approval within 24 hours~ | |
| Borrow from $10,000 to $150,000 | |
| Easy online process | |
| Access your account via Smart Money app |
| Frequency | Weekly, monthly or fortnightly |
| Estimated repayments | $170 per week# The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.99% p.a. paying variable rate. |
| Application fee | $400 |
| Monthly fee | $8 |
| Discharge fee | $0 |
| Early termination fee |
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). |
Caravan Loan FAQs
You can borrow between $10,000 to $150,000.
Yes. There is a $400 application fee ($500 via a private sale) and $8 monthly fee.
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.
At loans.com.au, we offer secured caravan loans.
We do offer pre-approval for caravan loans. Contact our friendly lending team to discuss, or, if you’re ready to go ahead with your caravan loan, click here to apply for pre-approval online.
Most pre-approvals usually only last for 30 days, but at loans.com.au they’re valid for 60 days.
Your caravan loan term can be 3 to 7 years.
You must be 18 years or over, an Australian citizen or permanent resident, home-owners, employed, demonstrate a good credit history and not be bankrupt.
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.
You can pay weekly, fortnightly or monthly, setup through a direct debit.
Who is loans.com.au?
Meet the team helping you get on the road sooner with a caravan loan that takes you further, so you can enjoy the independence and flexibility of owning your own caravan.
Andrew
Lending Specialist
Ready to chat through your caravan loan options and borrowing power with a real person like Andrew?
As an experienced lending specialist, Andrew and our team can answer all your questions to get you on track and start saving thousands.