Jayco loans

Looking to explore the great outdoors? Compare your Jayco finance options now.


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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.

Jayco models available in Australia

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

    • Jayco Swan camper trailer
    • Jayco Swift camper trailer
    • Jayco Freedom caravan
    • Jayco Journey caravan
    • Jayco Silverline caravan
  • Jayco FD.19-1 campervan
  • Jayco MS.22-2 campervan
  • Jayco Conquest motorhome
  • Jayco Conquest DX
  • Jayco Optimum

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

Compare loans you can use to purchase a Jayco

Data indicated here is updated regularly
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
IMB New Car Loan
4.99% (fixed)
1 to 7 years
$275.12 ($250 Application fee + $25.12 PPS registration fee)
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
Latitude Personal Loan (Secured)
From 5.99% (fixed)
1 to 7 years
Loans under $5000 - $140
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
Loans.com.au - New and Dealer Used Car Loan
From 4.67% (fixed)
3 to 5 years
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
Plenti Car Loan
From 4.89% (fixed)
3 to 7 years
from $249 to $799
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
Credit Concierge Car Loan
From 3.99% (fixed)
1 to 7 years
You'll receive a fixed rate of 3.99% p.a. with a comparison rate of 5.08% p.a.
Get access to over 20 providers to fund a new or used car.

NRMA New Car Loan
From 4.99% (fixed)
1 to 7 years
You'll receive a fixed rate from 4.99% p. a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
Stratton Finance New Car Loan
From 4.05% (fixed)
3 to 7 years
You'll receive a fixed rate from 4.05% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
NAB Personal Loan Unsecured Fixed
From 9.99% (fixed)
1 to 7 years
You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% (13.56% comparison rate) or less. See Comparison rate warning in (i) above.
Driva Car Loan
From 3.95% (fixed)
1 to 7 years
$295 (Varies by lender, starting from $295)
You'll receive a fixed rate from 3.95% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
Symple Loans Personal Loan
From 5.75% (variable)
1 to 7 years
from 0% to 5% of the loan amount
You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.

Compare up to 4 providers

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 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.

What types of Jayco 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 financing your Jayco

There are a number of factors you should take into account before deciding on a 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 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

More guides on Finder

Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

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