Finance your dream caravan and hit the road
Competitive caravan loan rates for new and used vans. Get approved fast and start your next adventure.
Hit the open road with a caravan loan tailored to your adventure. New or used, we make caravan finance easy.
Term
7 years
Rate
6.79% p.a.
Monthly
$987/mo
What's Included
We work with a panel of 30+ lenders to find a loan that's tailored to you, not the banks
3 Steps to Your Loan
Our streamlined process makes it easy to get approved quickly
Get a Quick Estimate
See how much your repayments could be
$15,000
Estimated rate: 8.9% p.a.
Your estimated repayment
$311
per month
Why choose LendBuddy for caravan finance?
We make caravan finance as easy as packing the car.
Great rates
Access competitive caravan loan rates from our panel of specialist lenders.
New & used
Finance a brand-new caravan or a quality used van. We cover both.
Flexible terms
Choose loan terms from 1–7 years to match your budget and travel plans.
Caravan Finance Options
Every situation is different. Explore the finance types we offer to find the right fit for you.
New Caravan Finance
There is nothing quite like picking up a brand new van and knowing every road trip is going to be comfortable from the start. Whether you are buying from a dealer or ordering direct from the factory, we can get your finance sorted before the van is even built.
We work with lenders across all the major brands including Jayco, Coromal, New Age, and Avida. Competitive fixed rates, flexible terms, and approval that does not hold up your build timeline.
Am I eligible?
Check off each requirement to see if you qualify
40+ Lenders
Access a wide panel of trusted Australian lenders
No Credit Impact
Soft credit check so your score stays safe
Fast Approval
Get pre-approved in as little as 60 minutes
Expert Support
Dedicated finance specialist from start to finish
What Our Customers Say
Real feedback from real Australians who've used LendBuddy.
Greg N.
Bought a new Jayco Journey through a private sale and LendBuddy made the finance side completely painless. Approved in under 24 hours.
Helen W.
We financed our motorhome through LendBuddy. The rate was lower than what two banks offered us. Now we're touring the East Coast full-time.
Paul K.
Got a great deal on a used caravan loan. The van was five years old but the rate was still very competitive. Team was easy to deal with.
40+
Lender panel
24hr
Average approval
500+
Aussies helped
$0
Broker fee
Caravan Loan Guide
Everything you need to know before applying for caravan finance in Australia.
A caravan loan works similarly to a car loan. You borrow a set amount, the caravan is used as security, and you repay in regular instalments over an agreed term, usually three to seven years.
Both new and used caravans can be financed. Motorhomes and camper trailers are also eligible. Because the loan is secured against the vehicle, rates are typically lower than an unsecured personal loan.
Your credit history, the age and value of the caravan, and the loan term all play a role. Brand new caravans from recognised manufacturers attract the lowest rates.
Used caravans can still be financed at competitive rates, though lenders may have age limits. Most will consider caravans up to 10 to 15 years old at the end of the loan term.
New caravan finance comes with lower rates and longer available terms. You also get the benefit of manufacturer warranties and the latest features.
Used caravan finance can save you significantly on the purchase price. Depreciation hits hardest in the first few years, so a well-maintained two to three year old van can be excellent value.
Most caravan loans are secured, meaning the caravan itself is used as collateral for the loan. This is good news for borrowers because secured loans come with significantly lower interest rates than unsecured alternatives.
With a secured loan, the lender registers a charge against the caravan on the PPSR (Personal Property Securities Register). Once you pay off the loan in full, the charge is removed and you have clear title to the vehicle.
Most lenders require comprehensive insurance on a financed caravan for the life of the loan. Shop around for caravan-specific insurance policies that cover road use, storage, and travel in remote areas.
Registration requirements vary by state and territory. Some states require separate registration for caravans, while others include them under the towing vehicle. Factor these ongoing costs into your budget alongside your loan repayments.
Solar panels, annexes, air conditioning, and towing upgrades can add thousands to the cost of getting on the road. The good news is that many lenders allow you to include the cost of accessories and upgrades in your caravan loan.
Rolling these costs into your finance means you do not need to dip into savings or use a separate credit product. Just make sure the total loan amount still fits comfortably within your budget.
A balloon payment reduces your monthly repayments by deferring a portion of the loan to a lump sum at the end of the term. For example, a 20 percent balloon on a $60,000 caravan loan means $12,000 is due at the end.
This can be useful if you plan to sell or upgrade the caravan before the term ends. If you intend to keep the van for the long haul, a standard loan with no balloon gives you full ownership at the end without any surprises.
Get a pre-approval before you start shopping. This gives you a clear budget and puts you in a stronger negotiating position at the dealership or in a private sale.
Have the caravan independently inspected before finalising the purchase, especially if buying used. Check for water damage, chassis condition, and the state of the electrical and gas systems.
We compare caravan loan options from over 30 lenders to find the right fit for your adventure. New or used, caravan or motorhome, we handle the finance so you can focus on planning your trip.
Our service is free. The lender pays our commission, not you. If the options do not suit you, there is no obligation to proceed.
Caravan loan FAQs
Can I finance a used caravan?
Yes, we finance both new and used caravans through our panel of lenders. Most lenders will consider vans up to 15 to 20 years old at the end of the loan term, though this varies. Your broker will match you with a lender that suits the age and condition of the van you have your eye on.
How much deposit do I need?
Some lenders on our panel offer up to 100% financing for caravans, so you may not need a deposit at all. That said, putting down 10% to 20% can help you secure a lower interest rate and reduce your monthly repayments. Your broker can run the numbers both ways so you can see what works best for your budget.
Can I include accessories in the loan?
Absolutely. Many lenders allow you to roll the cost of accessories and modifications into your caravan loan. Things like solar panels, annexes, awnings, towing upgrades, and off-grid setups can all be included, so you can hit the road fully kitted out from day one.
What interest rate can I expect?
Your rate will depend on factors like your credit history, the age of the caravan, the loan amount, and whether the loan is secured. Rates on our panel currently start from around 6% p.a. for strong applicants with newer vans. We always compare multiple lenders to make sure you get the most competitive rate available.
Can I finance a motorhome or camper trailer?
Yes, we can arrange finance for motorhomes, camper trailers, slide-on campers, and pop-tops as well as traditional caravans. Our lender panel covers all types of recreational vehicles. Just let your broker know what you are looking at and we will find the right product for you.
How long can I take to repay?
Caravan loan terms typically range from 1 to 7 years depending on the lender and the age of the van. A longer term means lower monthly repayments, while a shorter term saves you money on interest overall. We help you find the right balance between affordability and total cost.
Do I need insurance?
Most lenders will require comprehensive caravan insurance as a condition of the loan, and it is a good idea regardless. Insurance protects your investment against theft, accident, storm damage, and other risks while you are on the road. Your broker can point you in the right direction for competitive cover.
Can I get a caravan loan with bad credit?
Yes, we work with specialist lenders who consider applicants with impaired credit, past defaults, or limited credit history. The rate will be higher than a standard loan, but it is often better than what you would find going direct. Our job is to find a lender that fits your situation and get you on the road.
Want to Know How We Can Help You?
Contact us for a Free Consultation
Talk to one of our friendly finance specialists to find the right loan for your needs, or simply get a free, no-obligation quote.