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.
5.0 rating
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.
Want to skip ahead?
Jump to the section you need.
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 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
Verified Review
Robyn was amazing the way she went through each step made it so easy to understand and having a joke along the way it was like chatting to a mate well done Robyn winner
Steve G.
Verified Review
Rachel Connors from Emu Money was absolutely amazing from start to finish. Her dedication and fast approach made sure everything ran smoothly. She knew all the answers to any questions, and made sure she kept me informed during the whole process. Would highly recommend Rach for all your finance needs.
jennifer s.
Verified Review
Clint G.
Verified Review
Emu Money is fantastic! I had Evie secure my personal car loan, and throughout the whole process she was very transparent. She gave me a comprehensive breakdown of the contract and guided me through the process. She's always available to chat, and is dedicated to her clients. She even advised me about my cash out limit that I didn't think of, which would've delayed me getting my car by another day. This reminded me to go to the bank directly. Her advice helped me a lot!
Akwesi A.
Verified Review
I was dealing with Ryan and wow đŻ He Helped me all the way from start too Finsh with my application,I would definitely go through these guys again Thanksđ
Phillip U.
Verified Review
I was completely impressed with their professionalism and customer service.. highly recommend. Special Mention to Ray thank you for assisting me in this journey
David 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.
