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 Australia
Emu Money Camper Trailer Loan

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.

1.

Apply online in minutes

Share your details, the camper trailer and your budget.

2.

See matched options

Compare secured vs unsecured, fixed vs variable—side by side.

3.

Upload documents

ID, proof of income and recent bank statements are usually enough.

4.

Settle & collect

We coordinate settlement so you can hitch up and head out.

How Camper Trailer Finance Works

Backed by over 50+ lenders

Giving you the best chance of being approved.

Affordable Car Loans
Alex Bank
Angle Finance
ANZ
Australian Motorcycle & Marine Finance
Australian Premier Finance
Automotive Financial Services
Azora
Bank of Melbourne
Bizcap
BOQ
Branded Financial Services
Capify
Capital Finance
CarStart Finance
CFI
Dynamoney
EarlyPay
Equity Tap
Finance One
Finstro
Firstmac
Flexi Commercial
Green Light Auto
Grenke
Latitude
Liberty
Lumi
Metro
Money3
MoneyMe
MoneyPlace
Morris Finance
Moula
Multipli
Now Finance
Pepper Money
Plenti
Prospa
Resimac
ScotPac
Selfco
Shift
SocietyOne
UME Loans
Vestone
Westpac
Wisr
Yellow Gate

Ready to get started?

Compare camper trailer finance from 50+ lenders with one simple application.

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.

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.

Loan Amount$5,000 - $1,000,000
Term12 - 84 months
Interest RateFrom 6.74%
Comparison Rate^From 8.41%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
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.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
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.

Loan Amount$5,000 - $1,000,000
Term12 - 84 months
Interest RateFrom 6.85%
Comparison Rate^From 8.52%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
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.

Loan Amount$10,000 - $200,000
Term24 - 84 months
Interest RateFrom 6.74%
Comparison Rate^From 8.41%
Time to Fund24 - 48 hours
EligibilityAustralian resident, Fair credit score
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

Camper Trailer Finance 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.

Loan Amount
$
Establishment Fee
$
Loan Term (months)
Interest Rate
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Total amount to repay
$0.00
Your repayments
$NaN

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.:

BalloonApprox. Monthly RepaymentNotes

$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

VerifiedVerified Review

Incredibly seamless experience! Highly recommend

Tracy W.

Review posted on 2024-01-03

VerifiedVerified Review

I've got the best service at Emu Money and their willingness to help you out. Evette went out of her way to help assist for the desired results. I will highly recommend them to anyone. Evette's industry knowledge & service was exceptional! I highly recommend her & will definitely reach out should we need any financial services in the future. Thank you

Mazhar A.

Review posted on 2025-04-25

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Brad was great quick and simple no headaches. just simple process and was done in quick time frame. cant thank him enough.

Danny D.

Review posted on 2024-01-24

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I had an outstanding experience working with Eugin to get my car finance sorted! From the very beginning, Eugin was professional, knowledgeable, and incredibly helpful. He made what can often be a complicated process feel smooth and stress-free. His attention to detail ensured everything was handled efficiently, and he guided me through each step with clear explanations. Thanks to Eugin's support, I secured the financing I needed to buy my car, and I couldn't be happier. If you're looking for someone reliable and dedicated to help you with car finance, I highly recommend Eugin at Emu money. He truly goes above and beyond!

Pabasara G.

Review posted on 2023-11-01

VerifiedVerified Review

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.

Review posted on 2024-01-03

VerifiedVerified 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.

Review posted on 2025-09-23

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.

Can I finance a used camper trailer?
Do I need insurance?
Can I include upgrades and accessories?
How long can I take to repay?
Can I repay early?
The information, tools, and material presented on emumoney.com.au are provided for informational and comparative purposes only and do not constitute financial advice or a recommendation. While we strive to ensure the accuracy and timeliness of the information provided, we make no guarantees or warranties, either expressed or implied, regarding the completeness, accuracy, reliability, or suitability of the information, products, services, or related graphics contained on this website. The loan rates, terms, and repayments presented are based on user inputs and the data provided by lenders in our network. These are estimates and indicative figures only. Actual loan rates, terms, and repayments may vary based on the specific lender, your creditworthiness, market conditions, and other factors not accounted for in our tools.
^The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not consider suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.
The minimum loan term available is 12 months, and the maximum loan term is 84 months. Maximum Annual Percentage Rate (APR): The maximum APR, which includes the interest rate plus fees and other costs calculated annually, is 28.45% per annum. Representative Example: For a loan amount of $30,000 over a term of 5 years (60 months) at an annual interest rate of 6.74% p.a., the total repayment amount including all fees and charges would be $36,851.73, with a monthly repayment of $614.2.