Compare Camper Trailer Finance from 50+ Australian Lenders
Forward-fold, rear-fold or hybridâline 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 formsâjust 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 variableâside 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 1â7 yearsâso you can plan adventures without emptying your savings. Lenders consider your income, credit history and the trailerâs 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:
What can you use camper trailer finance for?
Finance the trailerâand the gear that makes camp life effortless.
New Camper Trailer
Forward-fold, rear-fold, hard-floor or hybridâfinance 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, DCâDC 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 youâre 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 weekendâno 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 trailerâs 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 1â7 years. Shorter terms mean higher monthly repayments but less interest overall; longer terms keep repayments lower but increase total interest paid. Weâll 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. Theyâll review income, employment stability, credit history and recent bank statements. The trailer itself mattersânewer 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 isnât perfect or youâre 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 weâll match you with lenders. Pick the offer that fits and weâll handle settlement with the seller so collection day is simple.
Documents you may need:
Driverâs 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 theyâre financed at the same competitive rate. Always check fees and early-repayment policies so there are no surprises later.
Example: Balloon impact â $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 flexibilityâchoose 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 fallâor riseâwith market rates.
Balloon Payments
Lower monthly repayments by deferring a lump sum to the endâhave 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 feesâthe true cost is rate + fees + time.
Testimonials
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Highly recommend, process was simple and quick! very nice fella Jackson đ¤đź
Shayshay K.
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Matt @emumoney helped me get the best rate on a personal loan for our new car, and we are currently finalising sorting our business finances into one loan. Awesome service and responsive to requests.
Tim P.
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Emu Money is an excellent choice for anyone seeking a personal loan. The website is user-friendly and makes the loan process straightforward and hassle-free. I've also heard similar positive feedback from friends who have used the site. Thank you Emu!
Taz A.
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We just got our truck loan they are very supportive and Eujin guide us in really good way we are happy with service really appreciate EUJIN cheers
Lky 2.
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âď¸âď¸âď¸âď¸âď¸ Evette is amazing. As a sole trader I struggled to get finance for a car, but she worked tirelessly to make it happen and got me a great loan. Even when delays came up with the sellers bank, she kept on top of everything until it was resolved. I am so grateful and would 100% recommend her to anyone!
Sarah S.
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I applied for a car loan with the help of Emu Money a week ago, and the process was very fast and easy. There was no stress at all, as everything was taken care of by Krish, who managed my application from start to finish. He was very easy to communicate with and clearly explained the entire process and what was required from me. He was also quick to provide updates throughout. I would definitely recommend Emu Money to anyone looking for a smooth and hassle-free loan experience.. Thank you Krish.
Saritha A.
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.
