Jayco loans

This guide will help you understand Jayco range and how to compare Jayco loans.

What types of Jayco loans and financing options are available?

• Secured loan. A type of personal loan that uses the vehicle as security against the loan. You'll generally receive a lower rate than on an unsecured loan, but the lender may take ownership of your vehicle if you fail to repay the loan.
• Unsecured loan. You aren't required to use the vehicle as security on an unsecured loan, but you'll generally receive a higher rate than on a secured loan.
• Dealer finance. There are 29 Jayco dealers in Australia and many offer finance directly. You'll need to check with your local dealer to see if it can provide finance for your vehicle.

Factors to consider when taking out a Jayco loan

There are a number of factors you should take into account before deciding on a Jayco loan or finance option. These include:

• Interest rate. Your interest rate will determine the size of your loan repayments and the overall cost of your loan. You should also check the comparison rate to get a better idea of the true cost of a particular loan.
• Loan term. Most car loans are offered from one to seven years.
• Fees and charges. These can range for initial application or establishment fees, to ongoing service fees. You may also be charged for making additional repayments, paying your loan off early or breaking any conditions of the loan. Fees and charges are incorporated into the comparison rate, which you can then use to compare which loan product may be best suited to you.
• Repayments. Most finance options will require you to make regular repayments, generally on a weekly, fortnightly or monthly basis, depending on the lender.
• Loan amount. Most finance options will have minimum and maximum loan amounts, so you want to make sure a certain loan will allow you to borrow the amount you need.

What you'll need to apply for a Jayco loan

This will vary slightly depending on the type of Jayco finance you choose. However, you'll generally need to meet the following criteria to be eligible for a loan:

• You're at least 18 years old
• You're an Australian citizen or permanent resident
• You're currently employed or earning a reliable income

As part of your application process, you'll generally also be asked to provide the following:

• Proof of residence
• Proof of employment
• Additional financial information such as your debts, assets and other liabilities

Compare Jayco loans

11 of 166 results

Updated regularlyShare

Finder Score	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Promoted Finder Score 9.4 Excellent OurMoneyMarket New Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.4 Excellent	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $607.99	No monthly or early exit fees. Loan amounts range from $5,000 to $100,000. Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.	Go to siteView details Compare product selection Compare	loading
Promoted Finder Score 9.1 Excellent IMB New Car Loan Fixed1 - 7 Years $2,000 - $125,000	Finder Score 9.1 Excellent	Interest Rate (p.a.) 5.99%	Comp. Rate (p.a.) 6.34%	Application Fee $274.78	Monthly Fee $0	Monthly Repayment $616.71	Borrow up to $125,000, pay no account-keeping fees and repay with fixed repayments while having the ability to repay early.	Go to siteView details Compare product selection Compare	loading
Promoted Finder Score 8.5 Great Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Finder Score 8.5 Great	Interest Rate (p.a.) 5.67% to 18%	Comp. Rate (p.a.) 6.1% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $617.41	Your own personal car loan broker can help you borrow up to $300,000 for your new car by choosing from a range of finance options.	Go to siteView details Compare product selection Compare	loading
Finder Score 7.5 Great loans.com.au - New/Demo - Variable Rate Variable3 - 7 Years $10,000 - $150,000	Finder Score 7.5 Great	Interest Rate (p.a.) 5.99% to 15.89%	Comp. Rate (p.a.) 7.12% to 17.01%	Application Fee $400	Monthly Fee $8	Monthly Repayment $628.52	Go to siteView details Compare product selection Compare	loading
Finder Score 7.7 Great RACV New Car Loans Fixed1 - 7 Years $5,000 - $100,000	Finder Score 7.7 Great	Interest Rate (p.a.) 6.59% to 17.69%	Comp. Rate (p.a.) 7.29% to 18.47%	Application Fee $499	Monthly Fee $0	Monthly Repayment $629.11	Go to siteView details Compare product selection Compare	loading
Finder Score 7.5 Great loans.com.au - Variable Rate Used Car < 5 years Variable3 - 7 Years $10,000 - $150,000	Finder Score 7.5 Great	Interest Rate (p.a.) 5.99% to 15.89%	Comp. Rate (p.a.) 7.12% to 17.01%	Application Fee $400	Monthly Fee $8	Monthly Repayment $628.52	Go to siteView details Compare product selection Compare	loading
Finder Score 9.4 Excellent OurMoneyMarket Used Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.4 Excellent	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $607.99	No monthly or early exit fees. Loan amounts range from $5,000 to $100,000. No vehicle age limit. Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.	Go to siteView details Compare product selection Compare	loading
Finder Score 8.3 Great Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Finder Score 8.3 Great	Interest Rate (p.a.) 6.59% to 18%	Comp. Rate (p.a.) 7.91% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.92	Your own personal car loan broker can help you borrow up to $300,000 for your new car by choosing from a range of finance options.	Go to siteView details Compare product selection Compare	loading
Finder Score 7.4 Great RACV Used Car Loans Fixed1 - 7 Years $5,000 - $100,000	Finder Score 7.4 Great	Interest Rate (p.a.) 7.89% to 17.69%	Comp. Rate (p.a.) 8.6% to 18.47%	Application Fee $499	Monthly Fee $0	Monthly Repayment $641.32	Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.	Go to siteView details Compare product selection Compare	loading
Finder Score 7.4 Great loans.com.au - Variable Rate Used Car < 3 years Variable3 - 7 Years $10,000 - $150,000	Finder Score 7.4 Great	Interest Rate (p.a.) 5.99% to 15.89%	Comp. Rate (p.a.) 7.12% to 17.01%	Application Fee $400	Monthly Fee $8	Monthly Repayment $628.52	Go to siteView details Compare product selection Compare	loading
Finder Score 7.2 Great loans.com.au - Fixed Rate Used Car Loan (6 to 7 years) Fixed3 - 7 Years $10,000 - $150,000	Finder Score 7.2 Great	Interest Rate (p.a.) 6.54% to 15.24%	Comp. Rate (p.a.) 7.67% to 16.36%	Application Fee $400	Monthly Fee $8	Monthly Repayment $633.61	Go to siteView details Compare product selection Compare	loading

loading

Load More

Showing 11 of 11 results

Compare other products

We currently don't have that product, but here are others to consider:

How we picked these

Finder Score for car loans

To make comparing car loans even easier we came up with the Finder Score. Interest rates, fees and features across 200+ car loan products and 100+ lenders are all weighted and scaled to produce a score out of 10. The higher the score, the more competitive the product.

Read the full methodology

Jayco loans: Other costs to consider

• Maintenance and repairs. Like a car, you'll be required to cover cost of any repairs and servicing. It's important to keep your vehicle in good condition to minimise the need for expensive maintenance or repairs in future.
• Registration. Whether you choose a Jayco caravan, camper trailer, caravan or motorhome, you'll be required to register it. Registration costs vary by the type of vehicle you want to register and the state or territory you need to register it in.
• Insurance. As with any other vehicle, you're legally required to purchase compulsory third party (CTP) insurance to use your RV. There are optional insurance products available that can also cover theft, fire or any accidental damage. The cost of these policies will vary depending on your risk profile, which is determined by factors such as your age, gender and driving history.
• Stamp duty. You aren't required to pay stamp duty on caravans or camper trailers in Australia. However, you will need to pay duty on a campervan or motorhome: the cost of the duty will vary by state or territory.
• Optional extras. The listed prices of RVs will generally not include any additional features, such as solar panels or generators. If you wish to add extras to your vehicle, you'll need to factor in the additional costs.
• Cost of finance. If you're looking to finance your Jayco using a car loan or other form of finance, you'll also need to consider the cost of the loan.

Jayco models available in Australia

Jayco sells a large range of RVs, including camper trailers, motorhomes, caravans and campervans. These include:

How much does it cost to buy and run a Jayco?

The purchase prices of popular 2019 Jayco models are as follows:

• 2019 Jayco Swan: $26,990
• 2019 Jayco Swift: $18,690
• 2019 Jayco Freedom: $43,990
• 2019 Jayco Silverline: $76,990
• 2019 Jayco Conquest: $104,990
• 2019 Jayco Optimum: $231,990

About Jayco Australia

Jayco Australia is a caravan and camping manufacturer that was founded by Gerry Ryan in 1975. It's the leading Australian recreational vehicle (RV) maker, having produced over 200,000 vehicles since 1975 and currently employs over 1,100 people.

Frequently asked questions

• Can I get a Jayco loan with bad credit?

  You may still be eligible for a Jayco loan with bad credit, although your options could be more limited and you might face higher interest rates. Some lenders specialise in loans for people with poor credit histories, but they'll usually assess your income, expenses and repayment capacity before approving your application. It can help to provide proof of stable employment or a solid deposit to strengthen your application.

• How much can I borrow for a Jayco caravan loan?

  The amount you can borrow will depend on the lender, your credit score and your ability to make repayments. Most lenders in Australia offer secured caravan loans from around $5,000 up to $100,000 or more. The loan amount may also be influenced by the age, model and condition of the Jayco caravan you're purchasing.

• Are Jayco loans secured or unsecured?

  Jayco loans can be either secured or unsecured. A secured loan uses the caravan itself as collateral, which can help you access a lower interest rate. An unsecured personal loan doesn't use the caravan as security, offering more flexibility but usually at a higher rate.

• Can I finance a second-hand Jayco caravan?

  Yes, you can usually finance both new and used Jayco caravans. However, lenders may have age or condition restrictions for older models. Be sure to check the lender's criteria – some may only finance caravans under a certain age or purchased from licensed dealers rather than private sellers.

• How long can I take to repay a Jayco loan?

  Most caravan loan terms range from 1 to 7 years. Shorter terms generally mean higher monthly repayments but less interest overall, while longer terms can reduce your repayments but increase the total cost of the loan. Choose a term that balances affordability with minimising interest charges.

• Can I make extra repayments or pay off my Jayco loan early?

  Some lenders let you make extra repayments or pay off your loan early without penalty, helping you save on interest. However, others may charge early repayment or break fees. It's worth checking these details before committing to a loan so you know what flexibility you'll have later on.

• Do I need a deposit for a Jayco loan?

  Not always. Some lenders offer 0% deposit loans for qualified borrowers, while others may ask for a deposit - usually between 10% and 20% of the purchase price - to reduce your risk profile. A deposit can also help lower your repayments and reduce the amount of interest you pay over the life of the loan.

• Does a Jayco loan cover accessories or upgrades?

  Some lenders allow you to include accessories or upgrades - such as solar panels, awnings or towing equipment - in your total loan amount. Others may limit the loan to the caravan purchase price only. Be sure to confirm this with your lender before signing your contract.

Written by

Thomas Stelzer

Journalist

Tom Stelzer is a journalist with 6 years of experience covering personal finance, specialising in investment and cryptocurrency. With a Master of Media Arts and Production and a Bachelor of Communications in Journalism from the University of Technology Sydney, Tom provides expert analysis on digital assets and market trends, helping readers navigate the fast-evolving world of finance. See full bio