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Caravan Loans Australia

With caravan loans in Australia, you can finance a caravan, camper trailer or even a motorhome.

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Name Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
OurMoneyMarket Secured Personal Loan
OurMoneyMarket logo
Fixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
to 18.99%
Comp. Rate (p.a.)
to 21.78%
Application Fee
Monthly Fee
Monthly Repayment
Go to siteMore Info
Stratton Finance Caravan Loan
Stratton Finance logo
Fixed1 - 5 Years $10,000 - $200,000
Interest Rate (p.a.)
to 18%
Comp. Rate (p.a.)
to 18.5%
Application Fee
Monthly Fee
Monthly Repayment
Go to siteMore Info
You'll receive a fixed rate from 6.72% p.a. based on your risk profile
Borrow from $10,000 to $200,000 and use to finance a caravan, camper trailer or a motorhome. Get access to a range of lenders.
Showing 2 of 2 results

How do caravan loans work?

A caravan loan can be either an unsecured personal loan or secured personal loan that allows you to use your caravan as security. If you opt for a secured loan you can take advantage of a lower interest rate, but unsecured loans offer more flexibility. Not all lenders providing vehicle loans will allow this for the purchase of a caravan though, so it pays to compare.

Some loans have a fixed interest rate so your monthly repayments will be the same every month. Other loans have a variable interest rate, which may fluctuate, but the rate tends to be lower

Types of caravan loans

  • Secured personal loan. Use your caravan as security and benefit from a lower rate. These loans can either be referred to as car loans or secured personal loans, but all come with similar features. If a lender allows you to use your caravan as security then you can benefit from the low rate, but keep in mind you risk your caravan should you default on the loan.
  • Unsecured personal loan. This loan allows for greater flexibility with your loan amount, so you can use it to purchase accessories for your caravan or even insurance. Unsecured personal loan rates are higher because the lender is taking on more of a risk.
  • Caravan financing from a specialist lender. Several specialist lenders operate in this space. Remember to check the reputability of these lenders before you apply.

Finder survey: Why do Australians buy a caravan?

Cheaper holidays in the long run55.17%
See more of Australia31.03%
High cost of international travel10.34%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023

How much can I borrow for my next caravan?

Use the caravan loan calculator below to calculate out how much you could borrow and what your repayments might be.

Your loan details

Loan amount
Repayment type
Interest rate
Interest only period
Payment frequency
Extra monthly repayments

Overview of your loan

Once the interest only period ends, your estimated repayments will be
(including extra )
Total loan repayments:
Total interest payable:
Compare car loans
By making extra monthly repayments of
Your loan term could reduce by:
You could pay less interest, saving:
Years remaining Principal remaining
Calculator Assumptions: The above calculations are worked out assuming you’re paying off a principal and interest loan where the interest rate remains the same over the life of the loan. The repayment amounts do not take into account any additional fees or charges that may be charged to your loan (e.g. application fees).
Disclaimer: Whilst every effort has been made to ensure the accuracy of this calculator, the results should be used as indication only. They are neither a quote nor a pre-qualification for a loan.

What types of caravans can I purchase?

The road you’ve chosen to travel notwithstanding, there’s a caravan out there that can make travelling on it a pleasure. Find out more about what types are available below.

How should you compare your caravan loan options?

  • Find out the interest rate. Interest rates for caravan loans tend to be quite competitive, but it’s still important to use interest rates as a comparison point as this is where you can potentially save a lot of money. Decide whether a fixed or variable interest rate is right for you and go from there.
  • Will the loan be secured or unsecured? Caravan loans can either be secured or unsecured. Unsecured loans can have less risk but they often have higher fees to compensate for this risk. Choose whether you want a secured or unsecured loan and then compare fees and charges once you have made your decision.
  • Are you given flexible repayment options? Most caravan loans tend to have flexible loan repayments but some are better than others. The can offer fortnightly or monthly repayments by BPAY or direct debit, so choose a loan that offers convenient options.
  • See what loan terms are on offer. The term lengths of caravan loans vary depending on which financial provider you go with. The amount of money you borrow will influence the term length but it’s also recommended you have a rough idea of how long it will take you to repay the loan before agreeing to anything.

What to avoid with a caravan loan

  • Watch out for over-committing to a high loan amount. Ensure that you’re not borrowing more than you can afford to pay back before you take out a caravan loan. It’s also important to not get yourself into too much debt. If you are currently in debt, it’s strongly recommended that you don’t take out another loan and instead consider your other options first. Continuously borrowing money is a very dangerous move.
  • Any hidden surprises in your contract. Just like with any other loan, you will be required to commit to a contract. Make sure you carefully read through your contract before committing to it so you aren’t hit with any unexpected charges


Checklist for buying a camper trailer

The "different strokes for different blokes" saying holds true even when it comes to camper trailer shopping, given that just about every camper has unique requirements. Find out what aspects need your attention:

  • Chassis. The chassis of a trailer plays a crucial role in holding it together, and for increased life look for a chassis made using high-quality materials. If you plan to carry heavy loads of if you’re thinking about driving off-road, look for an extra strong chassis.
  • Suspension. Suspension springs should be strong enough to take the weight of the trailer as well as of the load that it carries. Make sure you pay heed to their condition at the onset, and find out if they’re suitable for off-road driving.
  • Tailgate and doors. Remember to check all seals, not just on the doors and the tailgate but also on all compartments and even the tool box to avoid damage from water and rust.
  • Towing. The towing coupling should have enough strength to take the camper trailer’s weight as well as all that it carries. For off-road driving, getting a coupling that turns 360 degrees is ideal. In addition, consider getting snatch points at the trailer’s rear section.
  • Protection. Camper trailers tend to flick up stones from time to time, and this can even happen on paved roads. Some trailers work in deflecting these stones by using built-in stone guards, and some come with shade cloth attachments to bridge the gap between the trailer and the car.
  • Tyres. If you can manage to get the same set of tyres on your trailer as on your main vehicle you can look forward to a smoother drive.
  • Trim. The canvas your camper trailer uses should be durable, given that it provides shelter, but remember that lightweight canvas is quicker and simpler to set up. Check for waterproofing and mildew-proofing of all canvas and awnings, and make sure they don’t have any holes.
  • Bedding. Ensure there’s enough room for everyone who might use your trailer, and don’t hesitate to take measurements of bedding if it looks small.
  • Possible add-ons. While the list of add-ons can be very long, most camper trailers tend to include water tanks, jockey wheels, and awnings, so it makes sense to look for these in your purchase.

Can I get a caravan loan if I'm retired?

Caravan loans are available to people in various financial situations, including pensioners. However, lenders differ on their eligibility criteria. Lenders usually have minimum income requirements and consider certain forms of income, so lenders offering caravan loans to pensioners may consider the age pension or super payments as income, or even consider income from rental payments. More specific information is provided in the table at the bottom of the page.

To get your application across the line, provide as much detail and documentation on your income streams and finances as possible.

How to start your application for caravan loans

If a caravan loan sounds like it’s right for you, applying for one is very easy. All you need to do is use the comparison table on this page and compare the caravan loans available. Look at all your different options and when you find one that’s right for you, simply click the 'Go to site' button and go through to the lender’s website. Once you’re on the website it’s as easy as completing your application form online and then waiting to hear if you get approval for your caravan loan.

Typically, to be eligible for caravan finance you must be at least 18 years of age. You must also have a good credit rating and be able to demonstrate this to the provider with evidence such as bank statements, payslips and copies of other credit contracts. Other loans may also require you to be an Australian resident/citizen or already be a member of the financial institution.

What documents will I need for my caravan loan?

Your application will run much smoother if you have all your documents ready and available when you apply for your caravan finance. You will need:

👉🏼 Drivers licence
👉🏼 Medicare number
👉🏼 Payslips or proof of income
👉🏼 Confirmation of your address

What criteria do I need to consider when I'm applying?

Before submitting your application it's important to give yourself the best chance at being approved. Understanding the minimum eligibility criteria is taking the first step towards doing this. In the table below we've broken down the criteria you need to consider for each of the lenders when it comes to yourself and the caravan you want to purchase. Remember to consider all other aspects of the loan before submitting your application.

LenderLoans you could apply forCriteria to consider
ANZUnsecured Personal LoanMinimum income $15,000 p.a.
Australian citizen, permanent resident or have a valid visa
If you're retired but have income from other sources, need proof of income
Bank of MelbourneUnsecured Personal LoanAge pension is not accepted as income
Caravans cannot be used as security for the loan
BankSAUnsecured Personal LoanAge pension is not accepted as income
Caravans cannot be used as security for the loan
Beyond BankFlexi Loan
Low Rate Loan
Minimum income $2,000 per month
Australian citizen or permanent resident
Age of caravan will determine the rate
CUAFixed Rate Car LoanEarn a regular income
Australian citizen or permanent resident
Maximum age of the caravan at the end of the term is 12 years
Latitude Financial ServicesPersonal Loan (Secured)Earn a regular income
Australian citizen or permanent resident
Minimum 50% of caravan/campervan for personal use
Maximum age of the caravan at the end of the term is 12 years
NABNAB Car Loan (Variable Rate)Caravan is a suitable loan purpose (loan is unsecured)
Earn a regular income
Reside in Australia: Australian citizen, permanent resident, New Zealand citizen or 457 visa
Be able to afford the loan repayments
RACQNew Car Loan
Used Car Loan
Australian citizen, permanent resident or be on an approved working visa
Be able to afford the loan repayments
Finance a new or used caravan
NRMACar LoanFinance a new or used caravan – new caravans over $15,000 receive a promotional rate
Applications handled on case-by-case basis

Why compare caravan loans with Finder?

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It's 100% free

You won't be charged for clicking through to one of our car finance partners. We get paid out of their pocket – not yours.

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We're here to help

We've helped tens of thousands of Australians find car, bike and caravan loans by keeping things simple and free of complicated jargon.


It's quick and easy to use

Our side-by-side caravan loan comparison makes it easy to find a loan that is a good fit.

Frequently asked questions about caravan loans

Do I need to pay stamp duty for my caravan?

Generally, caravans are exempt from stamp duty, but you’ll need to confirm this with your Office of State Revenue as it is dependent on the state you live in.

Can I get pre-approval on my caravan loan?

The majority of lenders will offer you pre-approval on your caravan loan. This can help your bargaining power when dealing with the sales manager when buying your next caravan

While you're comparing caravan loan options

Comparing your caravan loan options can save you hundreds, if not thousands of dollars by finding the right product for your situation, but the savings shouldn't stop there. Don't forget to compare caravan insurance too, as this could save you even more money and also ensure you are covered should anything happen to your new van.

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Head of Publishing Ventures

Matt Corke is Finder’s head of publishing ventures. Prior to this he was head of publishing for Australia, New Zealand and emerging markets. Matt built his first website in 1999 and has been building computers since he was in his early teens. In that time, he has survived the dot-com crash and countless Google algorithm updates. See full bio

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8 Responses

    Default Gravatar
    LaraJuly 30, 2016

    We are wanting to buy a secondhand caravan and car. What is the best type of loan?

      DeeJuly 31, 2016Finder

      Hi Lara,

      Thanks for your question.

      Please note that is a financial comparison service and we can’t recommend any specific loan product to our users.

      I suggest that you take advantage of our loan calculator above so that you’ll know which loan type can give you low monthly repayment under your desired terms.


    Default Gravatar
    billApril 22, 2016

    Can this loan be used for camper trailers?

      ElizabethApril 26, 2016Finder

      Hi Bill,

      It’s best to double check before you apply, but generally you will be able to use the loans on the above page for caravans or camper trailers.

      Hope this has helped,


    Default Gravatar
    KerryNovember 26, 2015

    I have queried on behalf of my mum (pensioner) in regards to a loan for a second hand caravan. Due to its age (2000) we’ve been told it must be an unsecured loan where the interest rate is much higher. Yet my mum owns her own house outright. With such an asset behind her surely a secured loan would be given approval?
    Is this true?

      ElizabethNovember 27, 2015Finder

      Hi Kerry,

      Thanks for your question.

      Some lenders will be willing to use the equity your mother holds in her house as security for the loan, this is called an equity loan and you can find out more about line of credit loans on our guide.
      There are also other secured loan options you can consider. I also recommend getting in touch with a licensed mortgage broker that can help you understand your financial position and they can leverage their panel of networks to find a lender that’s more inclined to review your application.

      Before applying for a home loan, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.


    Default Gravatar
    KarenApril 10, 2015

    Would a loan be available for a second hand caravan for a pensioner?

      ElizabethApril 10, 2015Finder

      Hi Karen,

      Thanks for your question.

      All of the personal loans featured on this page are available for financing a caravan. In terms of availability for your situation, you can click through and read a review of the loan (by clicking on the title of the loan) and see the minimum income required and whether the lender will finance secondhand vehicles.

      I hope this has helped.



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