Camper Trailer Loans

Your guide to getting the right camper trailer loan.

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A quick guide to camper trailer loans

Camper trailer loans are specialised financial products designed to help you finance the purchase of a camper trailer. With the rising popularity of road trips and outdoor vacations, camper trailers have become an attractive investment. These loans function similarly to auto loans, with the camper trailer serving as collateral for the loan. This type of loan usually comes with fixed interest rates and predictable monthly payments, making it easier for borrowers to budget. Additionally, camper trailer loans often provide flexible repayment terms, ranging from 1 to 7 years, depending on the lender's policy and your financial situation.

Here's what a camper trailer loans typically looks like:

eligibility orange tickBorrow from $5,000 - $100,000
eligibility orange tickLoan terms from 1 - 7 years
eligibility orange tickWeekly, fortnightly or monthly repayments
eligibility orange tickFixed interest rates from 6.50%
eligibility orange tickVariable interest rates from 7.95%
eligibility orange tickInterest rate tailored to your situation

What can I use a camper trailer loan for?

A camper trailer loan is specifically intended for financing the purchase of a new or used camper trailer. It can be used to cover the cost of various types of camper trailers, from compact teardrop trailers to larger, more luxurious models. The loan may cover the total cost of the trailer, or it could cover a portion, depending on your financial circumstances and the loan terms. In addition to buying a camper trailer, in some cases, the loan could potentially be used to finance necessary accessories or customisations, like a trailer hitch or solar panels. It's important to verify this with your lender as different lenders may have different policies.

Here are some common reasons people take out a camper trailer loan:

Purchasing a New Camper Trailer

One of the most common uses of a camper trailer loan is to finance the purchase of a new camper trailer for comfortable camping trips and road trips.

Purchasing a Used Camper Trailer

A camper trailer loan can also be used to finance the purchase of a used camper trailer, offering a more affordable way to enjoy the freedom of the road.

Camper Trailer Upgrades

From installing new appliances to upgrading the interior design, a camper trailer loan can fund the improvement of your mobile home.

Maintenance and Repairs

Camper trailers require regular maintenance and sometimes unexpected repairs. A camper trailer loan can help cover these costs.

Emergency Expenses

Unexpected costs, such as a sudden breakdown or emergency repair, can be covered by a camper trailer loan.

Insurance Premiums

The costs of insurance premiums for camper trailers can be high. A camper trailer loan can help spread these costs over a longer period.

Equipment and Accessories

From camping gear to kitchen equipment, a camper trailer loan can fund the purchase of necessary equipment and accessories.

Solar Panel Installation

A camper trailer loan can be used to install solar panels, reducing reliance on power grids and generating electricity for use in remote locations.

Storage Costs

When not in use, camper trailers may need to be stored in a safe location. A camper trailer loan can cover these storage costs.

Towing Vehicle Upgrade

If your current vehicle isn't equipped to tow your camper trailer, you may need an upgrade. A camper trailer loan can help cover this expense.

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How much can I borrow for a camper trailer loan?

Determining the exact amount you can borrow for a camper trailer loan in Australia hinges on several factors. Lenders typically consider your credit score, income, current debts, and capacity to service the loan. Camper trailer loans in Australia are typically available from around $5,000 up to $100,000 or more. However, the specific amount you can borrow will depend on the cost of the camper trailer you're planning to purchase and your financial circumstances. High-end or custom-built camper trailers can be quite expensive, and so can attract larger loan amounts. If you're buying a used camper trailer, the loan amount could also be influenced by the age and condition of the vehicle.

Lenders may restrict the amount they're willing to lend based on the expected lifespan and depreciation of the camper trailer. It's crucial to remember that the larger the loan, the more you will repay in interest over time. Always consider your budget and long-term financial plans. Calculate your monthly repayments and ensure they comfortably fit within your budget. Also consider associated costs such as insurance, maintenance, storage, and any desired upgrades or modifications to the camper trailer. It’s essential to borrow responsibly and ensure that your leisure asset doesn't become a financial burden.

Camper Trailer Loan Repayment Calculator

To estimate your monthly repayments and the total cost of the loan, input the loan amount, loan term and interest rate into the calculator below. This helps you plan your budget and choose the most suitable loan terms.

Loan Amount
Establishment Fee
Loan Term (Years)
Interest Rate
Total amount to repay
Your repayments

Balance over time

Am I eligible for a camper trailer loan?

Lenders consider several factors when assessing your eligibility, including your credit score, income, debt-to-income ratio, age, residency, and required documentation. While meeting the eligibility criteria doesn't guarantee loan approval, having a good credit score, stable income, and a positive financial profile significantly improve your chances.

You are eligible to apply for a camper trailer loan if you are:

eligibility orange tickOver the age of 18; and
eligibility orange tickAn Australian citizen or permanent resident; and
eligibility orange tickHave a regular source of income, that is enough to meet the repayments

How to apply for a camper trailer loan?

Applying for a camper trailer loan is easy and only takes a few minutes. Get started by filling out some basic information into our application form. We’ll review your information, and someone will be in contact with you to discuss the best option for you from over 40+ Australian lenders.

If you’re eligible for a camper trailer loan, and you are happy with the initial quote, you will need to prepare documents such as:

eligibility orange tickPassport or drivers licence
eligibility orange tickProof of income and expenses (e.g. payslips, bank statements)
eligibility orange tickDetails of any current debts or other loans

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How to get the best camper trailer loan for you?

When searching for a camper trailer loan, it's essential to understand the different factors to find the best fit for your needs. From interest rates and fees to loan terms and early payout options, each factor can increase or descrease the total amount you will repay.

Interest Rate

When it comes to obtaining a camper trailer loan, one of the key factors to consider is the interest rate. The interest rate directly affects the overall cost of borrowing and your monthly repayment amount. It's crucial to compare interest rates from different lenders to ensure you secure a competitive rate that aligns with your financial goals and helps you save on interest expenses over the loan term. Keep in mind that interest rates can vary based on factors such as your creditworthiness and the lender's assessment of risk.


In addition to the interest rate, it's important to evaluate the fees associated with camper trailer loans. These fees may include application fees, origination fees, processing fees, and ongoing maintenance fees. By carefully understanding the fee structure of different lenders, you can choose a loan with transparent and reasonable fees. Evaluating both the interest rate and fees will help you determine the overall cost of the loan and ensure you minimize costs throughout the loan duration.

Comparison Rate

When comparing camper trailer loan options, considering the interest rate alone is not enough. The comparison rate provides a more comprehensive understanding of the true cost of the loan. It incorporates both the interest rate and any additional fees associated with the loan, giving you a clearer picture of the total cost of borrowing. By comparing comparison rates from different lenders, you can make more informed loan comparisons and select the option that offers the best overall value.

Loan Term

The loan term, or the duration of repayment, is an essential aspect to consider when obtaining a camper trailer loan. Shorter loan terms generally result in higher monthly payments but lower overall interest costs, as the loan will be repaid in a shorter timeframe. Longer loan terms may offer lower monthly payments but could result in higher interest expenses over the life of the loan. It's crucial to assess your financial situation and determine the loan term that aligns with your ability to comfortably make repayments while minimizing interest costs.

Early Payout

Flexibility in loan repayment is valuable when considering a camper trailer loan. Early payout options allow you to repay the loan before the agreed-upon term without incurring penalties or additional charges. This flexibility can be advantageous if you come into unexpected funds or wish to reduce interest expenses. Before finalising a camper trailer loan, review the terms and conditions to ensure that early repayment is possible and to understand any potential limitations or conditions that may apply.

Balloon Payment

Some camper trailer loans may include the option for balloon payments. A balloon payment is a larger lump-sum payment due at the end of the loan term. While balloon payments can reduce monthly repayment amounts, it's important to carefully consider their implications. Ensure that you will have the necessary funds available to make the balloon payment when it becomes due. Balloon payments can be a suitable option if you anticipate having the funds or plan to refinance the balloon payment at the end of the loan term. However, it's crucial to fully understand the impact of balloon payments on your overall financial strategy.

Find the best Camper Trailer Loans for you with Emu MoneyFind the best Camper Trailer Loans for you with Emu Money

Frequently Asked Questions

Still have questions about camper trailer loans?

These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.

Can I use a camper trailer loan to buy used trailers?
Can I use the loan to finance a camper trailer customisations or accessories?
Is insurance required for camper trailer loans?
Can I get a loan for any type of camper trailer?
Can I get a loan if I'm buying a camper trailer from a private seller?
What is the interest rate on a camper trailer loan?
How long does it take to get approved for a camper trailer loan?
Can I pay off my camper trailer loan early?
Are camper trailer loans secured or unsecured?
Can I get a camper trailer loan with bad credit?
What happens if I can't repay my camper trailer loan?
Can I get a camper trailer loan if I'm self-employed?
How does a camper trailer loan affect my credit score?