loans.com.au is an Australian lender which offers home loans, personal loans and vehicle loans. Across its caravan loan range it has loans for new caravans up to 3 years old as well as used caravans up to 7 years old. It also has options if you are wanting to refinance your existing loan.
loans.com.au has both fixed and variable options for its caravan loans, with greater flexibility over the vehicle's age with a fixed rate loan.
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Points to consider with a loans.com.au caravan loan
loans.com.au offers 7 different caravan products, depending on whether the caravan is used or new, whether you buy from a dealer or privately, whether you choose a fixed or variable rate, and the age of the car.
The minimum rate is 6.74% p.a. and the maximum rate is 9.49% p.a.
The minimum loan term for a caravan loan is 3 years, and if you want to repay early you face an early repayment fee of $700 in the first 2 years of the loan and $500 thereafter.
With this loan you can purchase:
A caravan (a rigid unit which can be towed by a motor vehicle)
Camper trailer/camper
A hybrid caravan (a cross between a caravan and a camper trailer)
You cannot purchase a campervan, a motor home or any DIY home built caravans. To find out if the vehicle you want to purchase or refinance is eligible, you'll need to contact loans.com.au.
Features of a loans.com.au caravan loan:
Loan term. You can repay your loan over 3 to 7 years.
Loan amount. You can borrow from $5,000 to $100,000.
Rate types. You can choose between a fixed rate and a variable rate.
Seller flexibility. You can take out a loan whether you're buying from a dealer or a private seller.
Flexible repayment frequencies. You can choose to repay your caravan loan weekly, fortnightly or monthly.
Online application. You can apply online and receive approval within minutes.
Redraw. You can redraw a maximum of $5,000 a day, as long as you're on a variable rate and ahead on your repayments.
Fees and charges
Interest rates: Interest rates from 6.74% p.a. to 9.49% p.a.
Comparison rates: Comparison rates from 7.87% p.a. to 10.62% p.a.
Application fee: $400
Service fee: $8 a month
Early repayment fee: $700 within the first 2 years, $500 thereafter
How to apply:
To apply for a loans.com.au caravan loan you can apply through the website and receive your approval within minutes.
You must:
Be aged 18 or over
Own a home
Be an Australian citizen, permanent resident or have a skilled work visa
Be employed
Have a good credit history
Have a caravan which meets the requirements
You will need:
The year, make and model of the caravan
Your personal details
Your income and expenses
Other criteria may apply so be sure to check the full eligibility of yourself and the caravan before you submit a loan application.
Rebecca Pike is Finder’s money editor, with over 7 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise and 7News, Today and 9News, as well as Sky News, Channel 10 and across radio and print. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines.
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