Compare Camper Trailer Finance from 50+ Australian Lenders
Forward-fold, rear-fold or hybrid—line up sharp rates and repayments that fit your budget so you can get off the grid sooner.
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Camper Trailer Finance Made Simple
Spread the cost of your camper trailer into manageable repayments and keep your savings for the trip itself.
Borrow What You Need
Typical amounts from $5,000 to $80,000+
Flexible Terms
1 to 7-year options to match your budget
Quick Approvals
Eligible applications can be assessed fast
New or Used
Dealer, auction or private sale supported
Fixed Repayments
Predictable instalments you can plan around
Bundle Extras
Add awnings, solar, batteries or trailer upgrades
How it works
No endless forms—just clear offers and a smooth handover.
Apply online in minutes
Share your details, the camper trailer and your budget.
See matched options
Compare secured vs unsecured, fixed vs variable—side by side.
Upload documents
ID, proof of income and recent bank statements are usually enough.
Settle & collect
We coordinate settlement so you can hitch up and head out.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to camper trailer finance
A camper trailer loan lets you buy now and pay it off over 1–7 years—so you can plan adventures without emptying your savings. Lenders consider your income, credit history and the trailer’s age/value to size the loan and set the rate. Newer, well-kept trailers and hybrids may unlock sharper pricing and longer terms, while older models are still financeable with slightly different limits. The right structure keeps repayments comfortable and your trip plans on track.
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Types of camper trailer loans
Pick the structure that fits how you buy and how you want to repay:
Secured Camper Trailer Loan
A camper trailer loan secured against your adventure vehicle offering competitive rates and flexible terms. Finance your mobile lifestyle with confidence.
Pros
- Competitive rates due to trailer security
- Choice of fixed or variable rate options
- Flexible terms for different trailer values
- Finance new or used camper trailers
Cons
- Trailer serves as collateral - risk of loss
- Insurance requirements for full coverage
- Depreciation affects equity over time
- Storage costs when not in use
Best For
Camping and adventure enthusiasts seeking competitive financing for camper trailers with the flexibility to choose their preferred rate structure.
Unsecured Personal Loan
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
Pros
- No collateral required - no risk to personal assets
- Quick approval and funding process
- Flexible use of funds for any purpose
Cons
- Higher interest rates than secured loans
- Stricter credit requirements
- Lower maximum loan amounts available
Best For
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
Fixed Rate Camper Trailer Loan
A secured loan with fixed interest rate for purchasing camper trailers and off-road caravans. Enjoy predictable payments while financing your adventure vehicle.
Pros
- Fixed interest rate provides payment certainty
- Competitive rates secured against the trailer
- Perfect for off-road and camping adventures
- Finance both new and used camper trailers
Cons
- Camper trailer serves as security
- Cannot benefit from interest rate decreases
- Insurance requirements for comprehensive cover
- Seasonal usage may affect value
Best For
Outdoor enthusiasts who want predictable monthly payments and rate protection when financing their camper trailer or off-road caravan purchase.
Variable Rate Camper Trailer Loan
A secured loan with variable interest rates for camper trailer purchases. Potentially benefit from rate decreases while financing your mobile adventure setup.
Pros
- Can benefit from interest rate decreases
- Often lower initial rates than fixed loans
- Flexible loan features and terms
- Suitable for various camper trailer types
Cons
- Monthly payments can increase with rising rates
- Payment uncertainty makes budgeting challenging
- Trailer serves as security - risk of repossession
- Comprehensive insurance typically required
Best For
Adventure seekers comfortable with payment variability who want to benefit from potential rate decreases when financing their camper trailer.
What can you use camper trailer finance for?
Finance the trailer—and the gear that makes camp life effortless.
New Camper Trailer
Forward-fold, rear-fold, hard-floor or hybrid—finance the setup that suits your trips.
Used Camper Trailer
Buy pre-owned from a dealer or private seller with terms that suit age and value.
Off-Grid Upgrades
Add solar, lithium batteries, DC–DC chargers, inverters and extra water tanks.
Comfort & Storage
Finance fridges, drawer systems, awnings, ensuite tents and roof racks.
Repairs & Refurbs
Spread the cost of major servicing, bearings, brakes, canvas or electrical work.
Insurance & Registration
Some lenders let you bundle on-roads and insurance into one repayment.
Towing Essentials
Include DO35 hitches, brake controllers, tow mirrors and recovery gear.
Tow Vehicle Setup
Cover GVM upgrades, suspension or tow bar installs so you’re travel-ready.
Case Study
Hannah & Corey
Hannah & Corey kit out a hybrid camper with one set-and-forget repayment
Challenge: Hannah and Corey had their eye on a hybrid camper with solar and lithium for off-grid trips, but they wanted to keep the holiday kitty intact.
Solution: A secured, fixed-rate 5-year loan covered 90% of the trailer, with the solar system, lithium batteries and awning added to the same facility at settlement.
Emu Money lined up multiple lenders, and they chose a fixed-rate option that bundled the upgrades with the trailer. One set-and-forget direct debit, a clear monthly cost, and they were heading bush the very next weekend—no bill shock.
How much can you borrow?
Most camper trailer loans range from $5,000 to $80,000+. Your limit depends on income, credit profile and the trailer’s age/value. Newer or higher-spec hybrids often qualify for larger limits; older trailers can still be financed with slightly shorter terms or lower maximum LVRs.
Terms usually run 1–7 years. Shorter terms mean higher monthly repayments but less interest overall; longer terms keep repayments lower but increase total interest paid. We’ll help you find the balance that fits your plan.
Camper Trailer Loan Repayment Calculator
Estimate repayments before you commit. Adjust amount, rate, term and balloon to plan with confidence.
Balance over time
Are you eligible for camper trailer finance?
Lenders want to see that repayments fit comfortably alongside your other bills. They’ll review income, employment stability, credit history and recent bank statements. The trailer itself matters—newer or well-maintained campers often attract sharper pricing and longer terms, while older trailers may have shorter terms or lower maximum LVRs. If your credit isn’t perfect or you’re self-employed, specialist lenders may still have options.
You may be eligible if you are:
An Australian resident aged 18+
Earning a regular income (PAYG or self-employed)
Able to provide payslips or bank statements
Buying a new or used camper trailer from a dealer or private seller
How to apply for camper trailer finance
Apply online in a few minutes, upload your documents and we’ll match you with lenders. Pick the offer that fits and we’ll handle settlement with the seller so collection day is simple.
Documents you may need:
Driver’s licence or passport
Recent payslips or bank statements
Employment/ABN details if self-employed
Trailer details (VIN/HIN, invoice or quote) + upgrade quotes if bundling extras
How to save money on a camper trailer loan
Compare more than just the headline rate. Secured loans usually price sharper than unsecured. A modest balloon can lower monthly cost, but set it to align with expected resale value. Newer trailers and hybrids often qualify for better pricing. Bundle upgrades (solar, lithium, awnings) at settlement so they’re financed at the same competitive rate. Always check fees and early-repayment policies so there are no surprises later.
Example: Balloon impact — $30,000 over 60 months at 8.59% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $619 | Highest monthly cost |
10% ($3,000) | $557 | Lower monthly cost |
20% ($6,000) | $495 | Balance of cost vs flexibility |
30% ($9,000) | $433 | Lowest monthly cost; plan to clear balloon |
Camper trailer loan options explained
These features shape cost and flexibility—choose what suits your travel plans:
Secured vs Unsecured
Secured uses the trailer as collateral for sharper pricing. Unsecured can be faster and more flexible but usually costs more.
Fixed vs Variable
Fixed locks in steady repayments. Variable can fall—or rise—with market rates.
Balloon Payments
Lower monthly repayments by deferring a lump sum to the end—have a plan to pay, refinance or sell.
Early Repayment Flexibility
Some lenders allow extra repayments or early payout with little/no penalty, helping you save interest.
Fees & Charges
Check establishment, monthly and exit fees—the true cost is rate + fees + time.
Testimonials
Verified Review
I had an excellent experience with Emu Money. Robyn was fantastic – professional, approachable, and genuinely easy to deal with from start to finish. She explained everything clearly, made the whole process stress-free, and went above and beyond to ensure I was comfortable with each step. It's rare to find someone so reliable and efficient. I'd highly recommend Emu Money, and especially Robyn, to anyone looking for great service and peace of mind
Cruize W.
Verified Review
Huge thanks to Evette at Emu Money for hooking me up with an amazing car finance deal — absolute legend! Very knowledgeable, went above and beyond, made the whole thing easy and saved me a ton. Couldn’t be happier!
Scott D.
Verified Review
It's nice, quick and easy to get a new equipments through Emu Money. Big thanks to Brad for his great assistance.
Marvin Y.
Verified Review
Sham S.
Verified Review
Ryan was Very helpful through the entire process and made everything super simple for me. Had no issues altering and changing to suit my needs throughout
Kye Z.
Verified Review
I had the pleasure of working with Ryan to secure a car loan. He made the process run smoothly from beginning to the end. Highly recommend Ryan with his dedication and excellent communication. Thank you again Ryan!
Toefiliga C.
Frequently Asked Questions
Camper Trailer Loan FAQs
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.
